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

Most Innovative Payroll Product

5K

Borrow up to $5,000

Multiple loan programs available.

24

6-24 month

We offer 6-24 month loan terms.

~5

Just minutes

Apply in less than 5 minutes from any device.

3

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.

Build your Credit History

Payments are reported to the top 3 credit bureaus.

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.

We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates & Terms.TO REPORT A COMPLAINT OR PROBLEM WITH ACCESS LOANS - YOU MAY CALL OR EMAIL US at 321-396-0172; legal@accessloans.com, NMLS #1946049

*All loans are subject to approval and verification. All loans are made by Access Loans LLC, a licensed consumer finance company under NMLS #1946049. Our loan programs are offered to residents of: AL, AZ, CA, CO, DC, FL, GA, ID, IL, IA, MD, MI, MN, MO, NM, OH, OK, OR, PA, SC, UT, VA, WA.

* Access Loans reports all loan payment history to the three major credit bureaus. On-time payments may improve credit scores and can help you build your credit.

* Access Loans does not perform FICO score credit checks, instead we use an alternative credit solution. Because we report your payment history to the 3 major credit bureaus, late or non-payment of your debt may negatively impact your credit rating.

* Same day funding is available for limited customers. If the next business day falls on a federal holiday, founding will occur on the following business day. The loan approval process may delay in time if additional documents are needed to evaluate the application.

* Access Loans is not currently available to active members of the military and/or their dependents.

* Our interest rate match policy applies only to loans made by Access Loans, intended to be repaid by payroll allotment, to employees of the U.S. federal government residing in the states we operate.The offer has to be valid at the time of submission, and needs to have the exact same loan characteristics. For more information please contact finance@accessloans.com

* As an example, a $2,000 loan in District of Columbia: Finance charge of $255.87, financed amount $2,000, repayable in 27 biweekly pmts, interest rate of 23.98%, APR 23.91%, and biweekly installments fo $85.

*Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Access Loans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings.

Access Loans is committed to making our website's content accessible and user friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at 888-287-9483, Monday – Friday, 9 a.m. – 6 p.m, Eastern Time, or by send an email to customerservice@accessloans.com with “Disability Access” in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement.

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