Financial Education Portal
We want to educate, inspire, and promote good financial habits. Use this portal as a tool to improve your personal finance skills and access important resources.
Financial Education Portal
We want to educate, inspire, and promote good financial habits. Use this portal as a tool to improve your personal finance skills and access important resources.
BetterLife Video Channel
Our BetterLife video series promotes good financial habits. Subscribe to our Youtube channel to get notified of new videos.
BetterLife Video Channel
Our BetterLife video series promotes good financial habits. Subscribe to our Youtube channel to get notified of new videos.
BLOGS
BLOGS
Read our latest blog posts to learn more about our programs and sharpen your personal finance skills.
Read our latest blog posts to learn more about our programs and sharpen your personal finance skills.
2022 Personal Finance Tips to improve your personal financial health. Let us help you take control of your finances in this brand new year […]
A short-term loan is a great option when dealing with unexpected expenses if your savings and emergency funds are no longer available. Here’s why […]
Federal employees have unique circumstances. That’s why it’s important to seek specific financial advice catered to your unique needs […]
It sure does! If you’ve been working hard to exercise good money habits, chances are you want to know your current financial position. Read on […]
Here you’ll find tips to safeguard your Financial health, which is all related to your savings, your income, and how ready you are for retirement. Keep reading […]
New year, new Tax season. That also means tax refunds, which can help our personal finances in many ways. Access Loans can help you with that […]
2022 is now! Are you ready for it?
2022 Personal Finance Tips to improve your personal financial health. Let us help you take control of your finances in this brand new year […]
Would a short-term loan benefit me?
A short-term loan is a great option when dealing with unexpected expenses if your savings and emergency funds are no longer available. Here’s why […]
Are you a Federal Employee? Read this.
Federal employees have unique circumstances. That’s why it’s important to seek specific financial advice catered to your unique needs […]
Financial Position? Does it matter?
It sure does! If you’ve been working hard to exercise good money habits, chances are you want to know your current financial position. Read on […]
CREDIT SCORE EDUCATION
Get a FREE copy of the Consumer Financial Protection Bureau’s (CFPB) Credit Education Guide
The tools you see below can be accessed by downloading a free copy of CFPB’s Credit Education Guide. These are the first steps for you to build or strengthen your credit history, identify areas of improvement, and figure out what your current position is.
This will show you how to get a free copy of your credit report.
Learn how to make sure your credit report is accurate.
Learn how to get errors in your credit report fixed.
Learn all the tricks to improve your credit score.
Learn when is the right time to use credit and when not to use it at all.
Demonstrates what to do if you’ve been the victim of identity theft.
Start Building & Strengthening Your Credit History today!
Submit the form below to access the Credit Education Guide and be added to our credit education newsletters.
*By submitting this form, you agree to be contacted regarding your request and you are confirming you agree to our Consent For Electronic Communication, Consent to Text Message and Contact by Phone, and Privacy Policy.
Financial Tools & Resources
Below you will find some useful third party resources when learning about credit and financial education. We want to help you reach your credit and financial goals. Take advantage of them on your journey to financial health.
USAJOBS can help you find the right job. Just hit the link and change your life for the better.
Federal Health, Retirement and more.
A nonprofit organization, working to make our country more effective for all Americans.
Questions about the USA? Find answers to most facts about our country in a single place.
This app will allow you to stay on top of your accounts, bills, loans, and subscriptions.
Click the link and get ahold of your free Consumer Financial Protection Bureau Credit Education Guide.
Get yourself up to date on the latest news related to credit, loans, and your well-being with our blog.
Looking for a new job?
USAJOBS can help you find the right job. Just hit the link and change your life for the better.
Federal Health, Retirement and more.
A nonprofit organization, working to make our country more effective for all Americans.
Government info and services.
Questions about the USA? Find answers to most facts about our country in a single place.
Mint: budgeting made easier.
This app will allow you to stay on top of your accounts, bills, loans, and subscriptions.
Credit Education Guide.
Click the link and get ahold of your free Consumer Financial Protection Bureau Credit Education Guide.
Access Loans Federal Employee News Blog.
Get yourself up to date on the latest news related to credit, loans, and your well-being with our blog.
*These links are being provided as a convenience and for informational purposes only; the products, services, and opinions of the organizations, or individuals, do not constitute an endorsement or approval by Safra National Bank of New York. Safra National Bank of New York bears no responsibility for the accuracy, legality, or content of the external sites. Contact the external site for answers to questions regarding their content.
Frequently Asked
Questions
Below you will find answers to commonly asked questions regarding our personal loan programs. Simply search for your question or select the topic of your interest.
Applying 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 to offer emergency loans to customers who are currently excluded from traditional forms of credit available.
Our loan application will require personal contact, employment and income information. Some of the documents that will be requested from you during the application process include:
We invite you to start an application, as this process showcases all of the information needed to complete the application, including required documentation and terms.
Customer Reviews are Proof of Excellence
First off this is real... my review is real... I know sometimes I wonder and second guess when I see 5 stars, however this is legit!! I gave 5 stars bc of how easy and fast the process was and in addition my repayments have boosted my credit score tremendously. I would highly recommend it to my friends, family and colleagues.
First off this is real... my review is real... I know sometimes I wonder and second guess when I see 5 stars, however this is legit!! I gave 5 stars bc of how easy and fast the process was and in addition my repayments have boosted my credit score tremendously. I would highly recommend it to my friends, family and colleagues.
This was one of the easiest and quickest processes I've ever experienced! The staff was very polite and professional and would recommend it to anyone in need!
The process was very simple; customer service was very helpful and friendly. I would recommend them to my coworkers anytime.
¹ When you apply to refinance your loan, our team will review your credit, employment history, and other important factors. Access your client portal for information on your eligibility to refinance.
² Approval process & application timing may be delayed if additional documents are needed to evaluate the application. Loans can be funded on the same day if the application is (i) approved and signed on the same day and today is a banking business day, and (ii) certain administrative steps (e.g. relevant banking information is provided) have been completed by 1:30 pm EST.
³ We may report your payment history to at least one of the 3 major credit bureaus. Late or non-payment of your debt may negatively impact your credit rating.
⁴ Our loan product allows you to borrow $850 - $6,000. Loan terms range from 8-36 months. The maximum Annual Percentage Rate (APR) is 35.99%. Your actual APR may be higher than the rate shown. Advertised rates, terms, and programs are subject to change without notice.
⁵ As 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 biweekly installments of $155. This example is an estimate only and assumes all payments are made on time.
⁶ We 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. – 5 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.
⁷ Our loans are subject to credit approval and verification. Your eligibility to refinance your current loan is not a commitment to lend. We may gather information about you including, but not limited to, credit bureau information, information for verification of income and of your expenses. We also verify your identity. Income and debt must meet eligibility requirements as established by our underwriting guidelines which is subject to change without notice. Advertised offer is also subject to change without notice.
⁸ Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with our Access Loans® product. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings.
⁹ We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates and Terms.
¹⁰ We may modify, suspend, restrict, or discontinue the operation, maintenance or provision of this Website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party.
TO REPORT A COMPLAINT OR PROBLEM - YOU MAY CALL OR EMAIL US at 888-287-9483; complaints@accessloans.com
ACCESS LOANS™ product is offered by Safra National Bank of New York (“SNBNY”), Member FDIC, Equal Opportunity Lender.
2022 ACCESS LOANS™ product is offered by Safra National Bank of New York (“SNBNY”), Member FDIC, Equal Opportunity Lender, and subject to our Terms Of Use and Privacy Policy.
