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Complete our simple 256-bit SSL protected form. You are never obligated to take the loan.
Any credit is welcomed. Bad credit or no credit does not automatically disqualify you.
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Get funds deposited directly into your bank account in as little as one business day if approved.
Frequently Asked Questions
Searching for a 1000 dollar loan online but aren't sure how it all works?
What is an Installment loan?
An installment loan is a standard personal loan that is repaid in installments over a set period of time, such as 12 monthly repayments. They are ideal for those who want to borrow a small or larger sum of money without having to pay it back right away. This gives the borrower some breathing room while still allowing them to cover their immediate expenses or make that desired purchase.
Whether you need to make home improvements, cover emergency bills, or simply want to go on vacation - taking out an installment loan is a fast and easy process. Like most types of loan the lenders in our network will charge interest on top of the principal, but this will be fixed for the duration of the agreement.
What is a Payday loan?
Unlike installment loans, a payday loan is a short term commitment that requires repayment to be made in one full lump sum within the same month it was issued. Because of this the amount borrowed tends to be smaller and is usually used to cover unforeseen expenses and cash flow problems until the borrower receives their next pay check. Borrowers are charged a single finance fee on top of the principal. Payday loans are ideal for those who need emergency cash but do not have credit cards of other sources they can turn to.
How much can I borrow?
Whether you're looking for a 1000 loan, less or more, the lenders in our network provide both payday loans and longer term installment loans. The amount you might be able to borrow depends on the type of loan you desire, your income status and other personal information. Due to their short term duration, payday loans typically do not exceed $1000, whereas installment loans can reach up to $5,000. When you fill out our loan request form you will be able to choose a desired amount. The lender will then take all of your information in to consideration and make an offer as close to this as possible.
What are the basic requirements?
To prevent automatic rejection you must meet a few basic requirements. You should be at least 18 years old and a legal resident of the United States. You must also have a stable income of at least $1,000 a month to demonstrate you have the means to pay back a loan. In order for the funds to be issued you will also need at least a basic checking account in good standing.
Loan amount, credit score, etc:
How do I apply for a loan?
If you wish to apply for a payday or installment loan you can easily do so through our online loan request form. Simply fill out your personal details and if you meet the criteria we will aim to connect you with one of several lenders in our network within minutes. If matched you will be asked to provide some added information and once submitted, you will know if you have been approved in as fast as 5 minutes if no extra checks are needed. This is as close to instant approval as you will find. If you accept an offer you can expect the funds in your designated bank account within one working day.
Is Approval Guaranteed?
If you have been searching the web for loans you may have come across sites promising guaranteed approval. This is nothing more than marketing tactic. We cannot guarantee you will be matched with a lender and no lender can guarantee a loan without checking your information. All the lenders in our network operate within federal and state law and will fairly assess your application, but nothing is guaranteed.
What if I have bad credit?
The good news is that having bad credit does not automatically disqualify you from applying for a loan through our network. The bad news is that all of those sites promoting no credit check are misleading. While any lender you are matched with will fairly assess your application, they will still pull some form of credit history even if it's not from the big three bureaus. Your credit score is just one factor among several others, such as your employment status and current income.
Do I need collateral to get a loan?
All payday loans and installment loans issued by lenders in our network are unsecured, so you do not have to pledge any collateral. You do however need to prove that you have a stable income of at least $1,000 a month, whether that be from employment, self-employment or another official source.
How much interest will I have to pay?
The amount of interest you will pay on your loan depends on numerous factors, such as the amount borrowed, duration of the agreement (with installment loans), your personal information, and local state law. Before you sign a contract you will be issued with the full terms and conditions that outline the interest and fees associated with the offer. You will never be faced with hidden charges.
When do I get the funds?
Once you have signed the loan agreement the lender will typically deposit the cash in to your designated bank account within 24 hours during the working week (excluding bank holidays). So if you applied on a normal Monday, you should see the funds on Tuesday - perfect for those emergency situations.
Repaying the loan:
How do I repay my payday loan?
Providing you have enough funds in your bank to cover the principal and interest, repayment is an automatic process. It will be taken from your bank account on the agreed upon date. For payday loans this will be one lump sum, while installment loans will see equal installments deducted as per the schedule outlined in the agreement. This saves you the hassle of writing checks or initiating transfers manually. It does however mean that you need to ensure the funds are there to cover the obligation. If not you could face extra fees from the lender and your own bank.
Can I get an extension on repaying my loan?
Financial laws and regulations tend to be extremely strict when it comes to loan extensions. An average payday loan term is two weeks, but you may be able to request a loan extension or renewal by contacting the lender if it fits their policy and your state laws. If you feel that you cannot make a repayment, you should contact the lender immediately to discuss the situation.
Can I repay my loan earlier?
Because payday loans are for such a short term there is no need to repay it early, however the lenders in our network will accept early repayment of installment loans as long as it's the full amount. In fact the remaining interest is waived if you do so.
Is my personal information secure and confidential?
Yes. We understand that you want privacy in managing your personal financial matters. That's why we use all the latest encryption technology when handling your data. We also promise to never pass on your details to third parties outside of our network of lenders.
I'm still not sure if an online loan is for me.
Feel free to check out our other pages to learn more about installment and payday loans, the application process, and what's required. You should only complete our loan request form once you fully understand the obligation.