Low-Cost Loans for Employees

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

Your FICO credit score will NOT be affected*

U.S. Federal Employees Using Access Loans U.S. Federal Employees Using Access Loans

Most Innovative Payroll Product


Borrow up to $10,000

Multiple loan programs available.


6-24 month

We offer 6-24 month loan terms.


Just minutes

Apply in less than 5 minutes from any device.


Top Credit Bureaus

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

Our Competitive Advantage

Fast Approval Process*

Our loan application & approval process list is fast and convenient.

No FICO Required*

Your FICO credit score will not be affected when applying.

No Prepayment Fees

We will not charge you any prepayment fees.

Boost Your Credit History

Establish or improve a good credit history.

Same Day Funding*

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

Access loans is a very Professional company. They are customer service oriented. Responsive and easy to use. The loan terms offered are competitive and the application process is quick and easy. I highly recommend this company to anyone that wants an easy pleasant professional experience when seeking a loan provider.

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