Affordable Loans for Employees

We are making lending more accessible, convenient, and transparent.

FICO credit scores are NOT impacted when applying for our loan programs¹

U.S. Federal Employees Using Access Loans

Most Innovative Payroll Product


Borrow up to $6,000⁴

Multiple loan programs available.


14-26 months⁴

We offer up to 26 month loan terms.


Just minutes

Apply in less than 5 minutes from any device.


Top Credit Bureaus³

Reporting payments to the top 3 credit bureaus can help improve or establish credit.

Our Competitive Advantage

Fast Approval Process²

Our loan application & approval process is fast and convenient.

No Impact to FICO¹

FICO credit scores are NOT impacted when applying for our loan programs.

No Prepayment Fees

We will not charge you any prepayment fees.

Build your Credit History

Payments are reported to the top 3 credit bureaus.

Same Day Funding²

We offer same day funding for qualified customers.

Reasonable & Worry Free Payments

We will help you set up repayments so you don’t have to worry about payment reminders.

Frequently Asked Questions

Customer Reviews are Proof of Excellence

They are customer service oriented. Responsive and easy to use. The loan terms offered are competitive and the application process is quick and easy.