We offer loan products that are, in many cases, ideal for even those with poor credit and have designed our financial products to encourage and reward smart financial decisions that can eventually result in improved credit scores, where available. Best of all, our online loan application is quick and easy. You can complete the entire online loan application process online with your laptop, desktop computer, smartphone or tablet 24 hours a day and every day. Typically, it takes as little as five minutes to complete the online application, and we can provide instant loan decisions, so you never have to wait for a long time to know if we approved your loan. The whole process can be done from the comfort of your own home. It really is that easy.

P2P lenders started out with an “eBay for loans” model: anybody could apply for a loan by creating a public listing asking for money, and anybody could bid to lend (picking an interest rate that they wanted to earn, with loans getting funded at the lowest interest rates available). Over time, the system has become more complex. In some cases, individuals don’t do the lending anymore – banks and other large institutions are the funding source behind several prominent marketplace lenders.


2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.

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Financial Implications – The cost associated with short term loans of up to $500 can range from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principle balance as well as a $25 nonsufficient funds fee.
In the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The funds are then transferred by direct deposit to the borrower's account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower's next payday.
Payday loans have been in the news a lot recently, but not all short-term loans carry the same risks. LendUp Loans are an alternative to traditional payday loans from a licensed lender. A typical payday loan is exactly that: You borrow money against your next paycheck. However, borrowing against your paycheck often imposes several restrictions on this type of lending:
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