How It Works

Payday Loans and Installments Loans Online

Loan Application Form

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.

Applying doesn't affect your credit score!

How It Works is an advertising service that is designed to help you connect with the best lender. We partner with a variety of authorized lending companies that offer various loan products such as Payday Loans, Installment Loans, Personal Loans, Car Title Loans, and more.

No matter which service you choose to apply for, the process is practically similar. It's fast, easy and can be done both online and in a store nearby. To get a fast online Payday Loan, Installment Loan, Personal Loan, or Title Loan you only go through 3 simple steps which are going to take you a maximum of several minutes:

  1. Choose the necessary loan product, the amount, and fill out a free application form online so that we could send your request to the lenders in our network.
  2. Lenders process your information and make an instant approval decision. You are immediately connected with the company that offers the best rates and terms for your loan.
  3. Once you discuss the loan conditions and sign the agreement, the money is deposited into your bank account, or you can get it in cash in the nearest company's location.
    Your goal is achieved and you've probably got the loan the same day or maximum within 1 - 2 business days. Now, depending on the loan type, and the lender's terms, you need to repay the money on time.

Be careful! Different states have different lending laws and regulations, limiting how much you can borrow or how much the lender can charge in interest and fees. In some states certain types of loans may be even prohibited. Check it before applying.

How do I know if I qualify for a loan?

Independent lenders have their own individual requirements that must be met, but typical minimum loan approval requirements include, but may not be limited to:

  • 18 years of age or older
  • U.S. residence
  • Proof of ID
  • Any proof of employment
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • A car title (for Title Loans)


Please see our FAQs for more information about the process.

Looking for a specific loan amount?

Choosing to use your vehicle as collateral allows you to get instant bad credit cash with Car Title Loans.