A personal loan provides you with the money when you need it most for a variety of reasons. It provides you payments amortized over a period of time to a set projected payoff date to help you budget your finances easier. Simply complete our quick two-minute online form to submit your request and your money can be available as early as the next business day in most cases!
Can I use my loan funds for any purpose?
Can I qualify?
To qualify for a loan you must:
How much can I qualify for?
You can request up to $20,000 to find a loan you're qualified to receive, fill out our simple loan request. Your lender will take into account the information you enter, such as income and employment, as well as any additional information they may require, including, but not limited to, your credit history.
How can I increase my chances of getting approved?
What if I don't have a bank account?
You must have a bank account (either checking or savings are valid) to be able to receive your loan.
I have a Meta Bank account. Can I still be approved?
In most cases, customers with Meta Bank accounts are not eligible for a loan.
I don't have a job, but I receive income from disability, retirement, social security or pension payments. Can I still get a loan?
Yes—some lenders may still accept your loan request if you receive regular benefits income (at least $1000 monthly).
I don't have a driver's license. Can I still qualify?
At this time, lenders require a driver's license or state ID card to help verify identity during your loan request (passports may or may not be accepted post loan request submission.).
I live outside the United States. Can I get a loan?
Currently, our network of lenders only provide loans to residents of the United States.
How does the loan request process work?
We are not a lender; instead, we provide a marketplace for lenders and consumers to come together. Our process is simple and secure:
How long does the approval process take?
Your loan request should take just a few minutes to complete. Upon completion your loan request may be approved within minutes. If approved, your funds can be available as soon as the next business day. Processing times vary depending on the lender.
Where do I find my bank account and routing number?
Your bank account number and routing number can be found at the bottom of your check (see an example below). Your account number is a unique number given to you by your bank that represents your checking or savings account. Your routing number is a public number that is associated with your bank.
I'm having technical trouble with your loan request.
You may need to update your browser or switch to another browser.
Why do you need my social security number and bank account information?
Your social security number is required for the your protection and is used to help verify your identity. Your bank account information is needed to deposit your funds into your account.
When do I get my funds?
Once you've submitted your loan request your funds are typically deposited into your bank account within one business day if approved.
What are the rates and fees?
Terms of your loan will vary based on the amount of the loan and the period of time to repay. Other factors may include the state you live in, your source of income, and your repayment history. Please contact your lender directly for questions regarding your loan.
Representative Example:
How much will my loan cost?
Your rates and fees are completely dependent on the terms offered by your lender. Factors that can contribute to determining your terms may include the state you live in, the amount of money loaned, the length of repayment time, and your credit history. Late or missing payments can result in additional charges that can increase the overall cost of your loan.
What is APR?
APR, or annual percentage rate, is your interest rate stated as a yearly rate. An APR for a loan can include fees you may be charged, like origination fees. APR is important because it can give you a good idea of how much you'll pay to take out a loan.
APR for good credit typically ranges from 5.99% to 35.99% and generally will have a repayment term of 2 months to 2 years. Please contact your lender for more information.
Can I review the terms of the loan before I accept?
Yes, your lender should provide you access to review all of your loan documents before you sign them. Please retain a copy of your loan documents and records. Up until you submit your signed loan agreement, you have the right to reject the loan offer and request a loan again.
What are the repayment terms?
Repayment terms are dependent upon your lender, and may be dependent upon such factors as the state you live in, the amount of the loan, the length of repayment time, and your credit history. Typically, payments are made once or twice a month. Please contact your lender with any questions about the repayment process.
What are my loan renewal policies?
Renewal policies vary for each company and within each loan offer. It is essential to review these policies and terms within your individual loan.
What if I make a payment late, or miss a payment? What's a rolled over payment?
If you think you will be unable to make a payment on time (or at all), contact your lender immediately. Failure to meet the terms of your loan can result in additional fees, collection procedures, and/or a detrimental change to your credit rating. For some loans, if you do not pay the loan balance in full, depending on your specific lender, your loan may renew or roll over the principal balance plus an additional finance fee.
What if I don't pay?
If you do not pay your loan according to its terms, you could be: charged late fees, have your account sent to a collection agency, your information sent to a consumer reporting agency which may negatively affect your credit score, or may offer to extend your loan which may cause you to incur additional fees, charges and interest as well as other collection methods available in your state.
How does requesting a short-term loan affect my credit?
Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Please check with your participating lender.
What collection practices are used?
Collections practices of lenders and/or any assignee(s) will be in accordance with the principles of any applicable federal and state law. Lenders may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment.
Who is the Online Lenders Alliance?
The Online Lenders Alliance (OLA), the center for lending, technology and innovation, represents the growing industry of companies offering loans online. OLA members abide by a list of Best Practices and Code of Conduct to ensure their customers are fully informed and fairly treated.
I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?
If you do not have a printer handy, there are several ways to get copies of your documents to you. Your lender can usually email them to you, fax them directly, or fax them to your local Kinko's, Mail Boxes Etc., or PostNet so you can pick them up.
To make these special arrangements, please contact your lender.
How do I know I'm being contacted by my lender?
If you have been contacted by a collection service regarding your loan, and you want to be sure they are representing your lender, contact your lender. If you feel you are being contacted in error, or collections practices are abusive, contact the OLA. Do not make payments on your loan by putting funds on a prepaid card or by sending money via Western Union or any other transfer service.
If your loan has been paid in full and you are still receiving collections notices, contact your lender and the OLA.
If you are unable to make a loan payment on time, contact your lender immediately.
I have questions about my existing loan, where do I go?
For questions about your existing loan please contact your lender.
For details, questions or concerns regarding your loan, please contact your lender directly. Contact information for your lender should be available on their website, in your loan documents, or on your bank statement.
I still have questions. How can I contact a representative?
For your loan questions, please contact your lender. To contact us regarding non-loan related information, click here .