Some loans are an expensive form of credit. Some loans are designed to help you meet your short-term borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our partner lenders should never charge you any “hidden fees” that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you do not make a payment on time the lender will attempt to contact you via one or more authorized methods. Our partners adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because lenders may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, lenders may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
* If credit is extended to a consumer, lenders will consider the bank account information provided by the consumer as eligible for us to process payments against.
* Lenders do not always lend in every state. States of operation change frequently, please check back periodically to see if we are doing business in your state.
* Loan applications fully verified and approved by 6pm CT should be funded the next business day Monday – Thursday. Loan applications approved by 6pm CT on Friday should be funded the following Monday so long as that Monday is not a bank holiday.
* As part of our information collection process, lenders may detect additional bank accounts under the ownership of the consumer. Lenders will consider these additional accounts to be part of the application process. *** For underwriting and verification purposes only, lenders always obtain prior or separate customer authorization when trying to obtain additional consumer bank account information as a potential payment option.
Legal Disclaimer: This website does not constitute an offer or solicitation to lend. Creditopp.com is not a lender and does not make loans or credit decisions. Creditopp.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract or partner with. Creditopp.com does not charge a service fee. Creditopp.com does not control and is not responsible for the actions or inactions of any lender. Creditopp.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your creditworthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. To help government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer’s identity, Lenders may obtain, verify, and record information that identifies the customer.
Not all the lenders in our network can provide online personal loans up to $10,000. The limits and regulations vary from state to state. Cash transfer terms may vary from lender to lender.
Consumer Notice: We remind that online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking an online personal loan for small dollar amount.