Frequently Asked Questions

Who can apply for a loan?

You must be employed for at least one year, not active in the military, have not declared recent bankruptcy, and be over the age of 18 years old. To check if you qualify, apply online and follow the steps provided if you have any further questions you can contact us at 888-287-9483 or email

How do I apply?

You can simply apply online from any device by clicking on the “Sign Up” button.

How will this loan affect my credit?

Hardworking employees are more than just a credit score. We do not pull your credit or verify FICO score at the time of application. On the contrary this could help your credit as long as payments are made on time - we will report payments made to the top 3 credit bureaus.

What information do I need to apply for a loan?

Some of the documents that will be requested from you during the application process include: Drivers license, Proof of address, Pay Stub, and a selfie.We invite you to start an application as the process showcases all of the information needed for that specific loan, including required documentation and terms. We make it very simple and clear.

Are there any additional fees or costs to apply for Access Loans?

There are no hidden fees, however additional to interest there may be a one time origination fee applied to your total loan amount depending on the state and the program.

How long does the approval process take?

If qualified, the approval process can take between 1-2 business days as long as all requested documents are sent properly.

How quick can I receive my money?

Once an application is approved and signed, your funds will be received within 1-2 business days. Same day funding is available if application signed before 12 pm.

Am I able to make additional payments?

Of course you are able to make additional payments without any penalties.

What is a payroll split direct deposit?

A payroll split direct deposit is an automatic payment deducted directly from your paycheck and deposited into your loan repayment account. This is used to pay off your loan without worrying about setting up payments bi weekly.

What happens if I am no longer employed?

Payments made on time will still be your responsibility, however you will definitely be able to create an ACH payment arrangement to keep your loan in good standing.

How can I call for help?

You can reach our customer service line at 888-287-9483, you can also chat with us online during our working hours (9am-6pm EST). For general question you can also send us an email at

How can I refinance?

Eligibility to refinance is based on payroll deduction/allotment payments- Give us a call at 888-287-9483 to further explain our refinance program.

How do I know what my loan balance is?

You can access this information through your Access Loans dashboard. You can also call our support line at 844-584-3212 and they will be able to tell you how many payments you have made and your loan balance.