Being in the midst of a financial emergency can be stressful.
Unexpected difficulties, medical emergencies, car repairs, sudden job loss, utility notices and many other personal and family circumstances can leave you in need of cash fast.
At these times it is important to turn to a lending provider that can answer your needs with a speedy response.
Our form connects you with a quick loan lender prepared and ready to advance you the small or large cash funds you need to borrow.
We work with a variety of online financial lenders that respond quickly so you can borrow the funds you need to get you through your period of financial hardship.
We understand how past bad credit can make it difficult to obtain the funds needed to get you through a short-term financial situation.
For this reason, we have partnered with over a full spectrum of lenders who specialize in removing the hurdles even for those with less-than-perfect credit.
You remain in good standing as you repay your loans on time.
A good repayment history can increase your ability to obtain even better loans.
After you apply with the lender, the approval time of your loan is dependent on your offer. Your funds are released to you by direct deposit into your bank account which makes getting your money safe.
If your situation requires a larger sum of money, you can always request an installment loan which will afford you more time to pay off the larger balance.
The amount of your cash loan depends on verification of the documents you provide.
Also, each state has its own rules regarding same-day loan services, the interest rates and amounts that are approved can vary depending on where you live.
Be sure to research and verify the information online regarding the regulations that apply in your state.
After submitting your documents through our secure website, you are connected with a lender for approval.
The lender that accepts your loan request will determine the amount of risk, interest rates, and the initial loan amount.
If you are a student, we work with lenders who can offer a fast loan to help with books, transportation, or meals.
Yes, you can be approved with bad credit.
The amount you qualify for will depend on a number of factors, including if this is your first loan or if you have developed a regular habit of paying past loans on time and in full.
The creditors will also look at your income to determine the amount of the loan.
Our easy form can take around 24 hours to connect you and in many cases you can have your money deposited in your account by the next business day.
Special circumstances such as holidays may require more time for a lender to verify and process your loan request.
Interest fees will depend on the lender and which state you live in.
Each lender views the qualifications of the loan against the risk.
Since these lenders are willing to take on the short-term loan agreement, you can expect rates to be above regularly issued credit card rates.
You will be informed of your re-payment dates which will be clearly stated in the contractual agreement.
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Lendgenius.com is not a lender or lending partner and does not make loan or credit decisions. Lendgenius.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Lendgenius.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Lendgenius.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Lendgenius.com’s service is always free to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Lendgenius.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing Lendgenius.com and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Lendgenius.com to share your information and credit history with its network of approved lenders and lending partners.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78
Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.
In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Lendgenius.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.