Frequently Asked Questions

Frequently Asked Questions

Does Access Loans check credit scores during the application process?

Yes; however, keep in mind that 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 offer emergency loans to customers who are currently excluded from traditional forms of credit available.

Am I eligible to make additional payments?

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

How do I know what my loan balance is?

You can access loan balance and payment information via your customer service dashboard. You can also call our customer support line at 888-287-9483 or email for further questions and assistance.

How many loans can I apply for?

You can only have 1 active loan with us at a time. Once you reach the qualified payments, you may qualify for refinancing, which allows you to access additional funds.

Can I increase my payment amount?

You can’t increase your payment amount once the original loan has been signed; however, if you qualify for refinance, you might be offered higher loan amounts.

What is the referral program?

If you have friends or colleagues that may qualify for our loan programs, we encourage you to refer them to Access Loans. For every person referred by you that gets approved, you will get $50 deposited in your bank account. There is no limit to the amount of people you can refer to. To receive credit, the people you refer must use your referral link or code at the start of registration when requested. For more information and the full list of terms visit our referral page –

When will I receive my referral money?

Each month we sum up all of the approved referrals and then we will send you your total referral commission to your bank account (the same one we have on file). There are no limits to how much you can earn. The more you refer, the higher the chances of making extra cash. For more information and the full list of terms visit our referral page –

Where do I get my referral code?

You can access your code by accessing your Access Loans account. Sign in using this link: Once you are logged into your account, locate the referral code and share it. If you have issues accessing your code, please contact: or call at 888-287-9483.

What is considered a successful referral?

A successful referral is someone who applies using your code and gets approved. We will send you on a monthly basis any outstanding earnings based on successful referrals. If you have further questions please read our referral terms on this page or contact our customer service representatives for more information at or call at 888-287-9483.

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.

When will I be eligible for refinance?

Give us a call at 888-287-9483 to further explain our refinance eligibility . Please keep in mind that your initial refinance date can be delayed if payments are missed. Don’t forget, when the payment criteria is met, you will also be notified by email and text message to proceed with an application.

Who can apply for a loan?

We recommend you start an application process to determine if you qualify for our loan programs; however, some of our basic eligibility requirements include: Must be employed for at least one year, 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 for a loan?

You can easily apply online from any device by clicking on the “Sign Up” button in our website or visiting the following link:

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 your specific loan program, including required documentation and terms. We make it very simple and clear.

How long does the approval process take?

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

What are the benefits of linking my payroll system?

Linking your payroll system helps you receive your funds faster. To speed up the application process, we are providing qualified applicants with a secure option to easily connect to your payroll provider by using the exact login information from your current employer system (MyEPP, MyPay, Liteblue, MyADP, Intuit, etc.)

This is a secure and private connection (we won’t have access to your credentials);
Connecting will allow us to extract you paystub and allotment information automatically;
The connection won’t allow us to change or alter any of your existing settings;
Connecting will speed up the application which allows you to receive funds faster;
You will need to use your same login credentials from your current employer payroll system.
If you are not in a rush, you can enter your payroll information manually during the application process.

Where do I find the status of my loan application?

You can check your application status by logging back into your application page – we will update this page with the latest updates. We will also be updating you via call, text or email. If you have further questions please contact us via our website chat (, call us 888-287-9483, or email us at

My application was denied. When can I reapply?

We are sorry to hear that. Most denied applicants can reapply in 7 days, but it can be more or less depending on the denial reason. To get the most accurate information pertaining to your case, you can contact customer service by email at or call us at 888-287-9483.

Who do 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 questions you can also send us an email at

What are your working hours?

Our customer service working hours are Monday to Friday from 9am till 6pm EST ; however our application process is accessible any day of the week 24/7.

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

There are no hidden fees. 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 quick can I receive my money?

Once an application is approved and signed, funds are usually sent within 1-2 business days. Same-day funding is available for limited qualifying customers. If the next business day falls on a federal holiday, funding will occur on the following business day.

What is payroll allotment / 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.

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. If this is your case, please contact our customer service team by email or call 888-287-9483.

What are the loan terms?

We offer multiple loan programs which allow you to borrow $1,250 – $6,000. Loan terms range from 14-26 months. Annual Percentage Rate (APR) ranges from 24.66%-30.00%. As examples, 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 have biweekly installments of $155. This example is an estimate only and assumes all payments are made on time. Your actual APR may be higher than the rate shown. Annual Percentage Rate will be based on credit history, the amount financed, and the loan term. Rates are subject to change without notice.

What are my payment options (different ways to pay)?

We currently accept payments directly through payroll allotment or through automatic ACH payments.

What is your credit reporting policy?

We report all loan payments history to the three major credit bureaus. Ontime payments may improve credit scores and can help you build your credit. Because we report your payment history to the 3 major credit bureaus, late or non-payment of your debt may negatively impact your credit rating.