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Frequently Asked Questions

Do lenders offer loans over $2,500?

Most short-term lenders only offer loans up to $2,500. If you’re approved and practice responsible borrowing, you can find a lender again in the future. When you return to our site, if your information hasn’t changed, you can access your previously submitted information, making it even easier to find a lender.

Can I get an installment loan?

If you’re interested in finding an installment loan lender, head to our installment loan site to get started.

Do social security, pension, disability, and other kinds of benefits qualify as income?

Some lenders accept social security, pension, disability, or other kinds of benefits, as qualifying income. If you receive at least $800 a month as well as meet other lender requirements, you may be able to get a loan. Other conditions may apply and will vary from lender to lender.

Is this a payday loan? What is a payday loan?

The type of short-term cash loans offered, vary by lender depending on things such as your qualifications and state of residency. A payday loan is a short-term loan especially designed to get you emergency cash fast – and you are typically required to pay it back on your next payday.

Can I specify the length of the loan?

Typically a short-term loan is for a much shorter duration than 6 months. Each lender is different, so the terms and conditions they offer are also different. If you get offered a loan by a lender, it should include all the details of your loan, including dates for repayment. You have a choice in whether or not you agree to the terms of the offer. If you don’t agree with the terms of the loan offer, you do not have to accept the loan. And you’re always more than welcome to come back and re-submit. If you’re interested in an installment loan repaid over a longer period of time, please click here to find out more and get started.

Where do I log in?

Welcome back! With just a few bits of information you can resubmit your information to find a lender – you don’t need a password. You can click here to find a lender even faster than before.

What happens if I’m late on a payment, don’t pay the loan back, or default on the loan?

If you only pay part of the loan, have a late payment, or don’t pay it back, you could end up paying additional fees and face collections. If you think that you may miss a payment, you should immediately contact your lender directly using the contact information they’ve provided. Please remember to use short term loans responsibly and accept the loan offer only if you’re confident in your ability to repay based on the lender’s terms. Learn more about late or missed payments on our loan fees and repayment page.

I haven’t received an email response about my loan? What do I do?

Sometimes email can land in your “Junk Email” or “Spam” folder - check there first to see if you’ve received an email from us or your lender. If you can’t find it there, you can email us at and we will try to respond as quickly as possible.

If MoneyMutual isn’t a lender, why should I use your web site?

You can find a lender for free! Instead of waiting in line or searching for lenders, our web site can help make the process finding a lender who can meet your needs, faster and easier! Instead of spending hours applying individually on several websites, request a loan from multiple lenders at once by visiting Money Mutual online marketplace.

I am self-employed. Can I still get a loan?

A lender may still offer you a loan if you’re self-employed. If you make at least $800 a month, and meet other lender requirements, you may be able to get a loan. Other conditions may apply and will vary from lender to lender. When asked for your employer information, please provide the legal name of your corporate entity and the main phone number of the business.

What do you do with my information? Do you keep my information?

We are committed to your privacy and the security of your personal information. Please read our privacy policy to understand exactly what we do with your information and how it is protected.

What if I don’t have my employer’s phone number or address?

Most lenders require you to provide your employer’s name and business phone number before they offer you a loan. You’re not required to provide the address on our site, though.

Is your site secure?

We use 256-bit encryption from Norton Secured powered by Symantec as well as McAfee Secure to scan our site daily for malicious software.

What are the terms and details of my loan?

Because we aren’t a lender, that information isn’t available to us. If you are able to find a lender, upon submission of your information, they will send you all the terms and conditions of your loan offer. It should include the interest rate, dates for repayment, finance charges, and more. Different lenders offer different kinds of loans with different details. Remember, you have a choice whether or not you want to accept the loan offer. If you don’t agree to the terms, you can decline the loan offer and resubmit to find another lender.

How do I qualify? Is having bad or no credit OK?

Qualifying with a short-term lender can be very easy; they work with many people in bad credit situations. Here are the basic qualifications:

  • Currently have a job (or receive regular income)
  • Make at least $800 per month
  • Are 18 years of age or older and a U.S. resident
  • Have an active checking account

Remember that other requirements apply based on your individual lender. If you have bad credit, you might still be able to find a lender.

How soon do I get my money?

Typically, if a lender offers you a loan and you accept the loan offer right away, you may be able to get the money deposited directly into your account in as little as 24 hours. If you accept the loan offered to you on a non-business day, weekend, or holiday, that may affect how long it will take for you to get your money.

Why do you need my banking information before I am approved?

Lenders need to make sure they can make a direct deposit into a valid bank account if you accept a loan offer. Please remember that using is totally free, which means you won’t be charged a fee to use our online marketplace.

Why do you need my employer’s phone number? Are you going to contact my employer?

Because we are not a lender, we won’t contact your employer. Every lender is different; to verify your employment, some lenders may call your employer at the number you provide. They typically do not discuss your financial situation with your employer. Remember, the form is asking for the main number of your employer, so make sure you are providing the correct one.

Can I pick my payments? When is the first payment due?

The dates of repayment can vary from lender to lender and depend on your qualifications. In most cases, you won’t be able to pick the dates of your payments. If you’ve been given a loan offer, you should contact the lender with any questions that deal with payments before accepting the terms of the loan. Learn more about payments on the loan fees and repayment page.

Can I get a loan if I have a savings account? What if I get paid with a prepaid debit card?

While qualifications can vary from lender to lender, most lenders will require that you have a valid checking account so they can deposit the funds directly. Unfortunately, lenders can’t deposit directly onto a pre-paid debit card or savings account.