The truth is, about 130 million Americans would not be able to come up with $400 in an emergency.
That’s why we created MoneyMutual’s online marketplace - to provide consumers access to lenders and access cash quickly.
There is no cost to fill out a form and submit your information through the online marketplace. If a lender decides they would like to work with you, they will pay us a fee to acquire the lead information you submitted. As a marketplace, we do not receive any information which would allow us to evaluate or compare offers from potential lenders. Please carefully review any offer you receive from a lender to make sure it meets your needs and you understand the terms associated with the offer.
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.
If you complete the form today, you can get a decision from a lender within minutes.
After you submit your information, lenders will review your information to determine if they would like to work with you. If a lender wants to work with you, you will be transferred to the lender’s website to review and approve the repayment terms for your 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.
Qualifying with a short-term lender can be very easy; they work with many people in bad credit situations. Here are the basic qualifications:
Remember that other requirements apply based on your individual lender. If you have bad credit, you might still be able to find a lender.
A lender may still offer you a loan if you’re on a fixed income. 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.
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.
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Use your funds for whatever you need, including one-time special events like weddings and holidays, unexpected expenses like car repairs and emergency medical expenses or almost anything else that requires extra funds.
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.
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.
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.
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 firstname.lastname@example.org and we will try to respond as quickly as possible.
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 MoneyMutual online marketplace.
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.
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.
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 MoneyMutual.com is totally free, which means you won’t be charged a fee to use our online marketplace.
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.
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.
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.
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.