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

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 Process²

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

No FICO Required¹

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 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

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.

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 & 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.

³Access Loans reports 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 $750 - $5,000. Loan terms range from 6-24 months. Annual Percentage Rate (APR) ranges from 21.89%-35.99%. The actual loan amount, term, and APR amount may vary based on credit determination and state law.

⁵As an example, a $3,500 loan in Minnesota with a $25 fee, a finance charge of $777.83, an interest rate of 21.16%, an APR of 21.89%, will be repaid in 51 biweekly payments and have biweekly installments of $85.

⁶Loan eligibility requirements, loan products, and overall application documentation are subject to change. Please contact one of the representatives if you have equations or need assistance with your loan application.

⁷Access Loans’ programs are not currently available to active members of the military and/or their dependents, with the exception of those living in Illinois, Ohio, and Washington.

⁸Our 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

⁹Testimonials 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.

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, the customer you refer must use your referral link or code at the start of registration when requested. Your account with Access Loans must be current. The person you refer should not previously have a loan with Access Loans. The person you refer 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. Access Loans reserves 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.

¹¹All 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, FL, GA, ID, IL, IA, KS, MD, MI, MN, MO, NM, OH, OK, OR, PA, SC, TN, UT, VA, WA.

¹²We 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

¹³Access 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 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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