Low-Cost Loans for Employees

Convenient, fast and transparent personal loans especially crafted for U.S. Employees.

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

U.S. Federal Employees Using Access Loans

Loan Program Highlights

No FICO Required¹

We do not perform FICO score credit checks, instead we use an alternative credit solution.

Interest rate match⁸

We will match and lower your interest rate if you can demonstrate a valid offer approval.

Same day funding²

Same day funding available for employees once loan is signed.

3 Easy Steps to Apply for an Employee Loan

If you are an Employee looking for emergency cash, you may be eligible to receive funds directly into your bank account. Apply today online from any device.


Apply online

Our Employee application process is fast and secure. Apply in minutes from any device.


Repayment Setup

We will guide you on how to set up your allotment in order to have stress-free repayments.


Sign your loan & receive your money!

Once approved you will receive your funds directly into your bank account. Same day funding available after loans are signed.

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.