Low-Cost 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

6K

Borrow up to $6,000⁴

Multiple loan programs available.

26

14-26 months⁴

We offer up to 26 month loan terms.

~5

Just minutes

Apply in less than 5 minutes from any device.

3

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 list 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.

¹Applying will NOT impact your FICO credit score. When you apply for any of our loan programs, our team will review your credit, employment history, and other important factors to determine eligibility. This alternative lending approach helps us offer emergency loans to customers who are currently excluded from traditional forms of credit available. 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.

²Approval process and application timings may delay in time if additional documents are needed to evaluate the application. Same-day funding is available for limited qualifying customers. If the next business day falls on a federal holiday, funding will occur on the following business day.

³We report all loan payments history to the three major credit bureaus. On-time payments may improve credit scores and can help you build your credit.

⁴Payment Terms: We offer multiple loan programs which allow you to borrow $1,250 - $6,000. Loan terms range from 14-26 months. Annual Percentage Rate (APR) ranges from 24.66%-30.00%. Your actual APR may be higher than the rate shown. Annual Percentage Rate will be based on credit history, the amount financed, and the loan term. Rates are subject to change without notice.

⁵As an example, a $6,000 loan with a $25 origination fee, a finance charge of $1,487.43, an interest rate of 24.25%, an APR of 24.66%, will be repaid in 49 biweekly payments and have biweekly installments of $155. This example is an estimate only and assumes all payments are made on time.

⁶We are 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 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.

⁷ACCESS LOANS® products and programs are not currently available to active members of the military and/or their dependents.

⁸All loans are subject to approval and verification. Access Loans® products are funded and serviced by Safra National Bank of New York (“SNBNY”). Our loan programs are available nationwide except for West Virginia.

⁹Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Access Loans® products. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings.

¹⁰Referral Program: Earn at least $50 for each successful referral via ACH. We will determine, at our sole discretion, whether a qualifying referral received a funded loan using your referral code. To receive credit: a) your account with us must be current; and b) the customer you refer: (i) must use your referral link or code at the start of registration when requested; (ii) should not have a current or have had a previous Access Loans® loan; and (iii) should make his or her first loan payment on time. Please allow 6-8 weeks for payment processing. Due to the confidential nature of the loan application process, we cannot disclose information on who has applied, nor will you be notified whether we approve or decline any application from the customers you refer. You may not use any robotic, programmed, script, other automated means or source to distribute the referral link. Bulk email distribution and any use of automated devices or third-party services are strictly prohibited. We reserve the right to disqualify you from the referral program, and the right to modify or discontinue the program or change the terms at any time without notice. Additional Terms and Conditions may apply.

¹¹We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates and Terms.

TO REPORT A COMPLAINT OR PROBLEM - YOU MAY CALL OR EMAIL US at 888-287-9483; legal@safra.com