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2022 Personal Finance Tips With only a few months left in 2021, many people are now starting to think of ways to improve their personal financial health. Let us help you with some tips on how to stay in control of your personal finances in 2022. Cutting Back On Spending If you think more money is flowing […]
5 Reasons Why You May Need a Short-Term Loan A short-term loan is a great option to help you deal with unexpected expenses if you have already depleted your savings and emergency funds. Here are some reasons why you may want to consider our ACCESS LOANS™ loan product. Fast Relief The approval process is fast. […]
5 Reasons Why Federal Employees Should Seek Advice Federal employees have unique circumstances compared to private-sector employees. That’s why it’s important to seek specific financial advice catered to your unique retirement needs. Retirement Preparing for retirement is something that most, if not all, employees do. However, as a government employee, you should plan your finances […]
Important Financial Metrics Everyone Should Know Metrics can help determine your financial position. But there are ways, such as getting public sector employee loans, to help you stay ahead financially. If you’ve been working hard to exercise good money habits, chances are you want to know your current financial position. Read on to learn what […]
Maintaining Financial Health: Tips For Federal Employees. Financial health is important for federal employees. Access Loans™ product gives safeguarding tips like getting loans for federal employees and buying wisely. Financial health refers to your savings, your income, and how much you’re setting aside for your retirement. Read on to find out how to safeguard your […]
Proper financial planning can help you prepare for your future. For unexpected expenses, enrolling in employee loan programs is a good option. Having a stable source of income can help young employees get started on their road to financial security. However, this journey can be challenging. People working for a long time know the importance of financial […]
Inclusivity Is Beneficial For Employees And Organizations. There are many ways for companies to create a more inclusive workplace. Our loan products provide low-cost loans to employees is one of them.Creating a more inclusive workplace does not only ensure happier employees but is also beneficial for the company. Companies need to find ways to embrace […]
Learn To Handle Your Finances And Start Investing! We know that investing can be hard if you live paycheck-to-paycheck but knowing how to handle your finances can help you get started. Contact us today so we can guide you through the process. If you are looking for a way to diversify your income, then investing […]
Ways To Help Public Sector Employees Prepare For Retirement: Finding ways to handle your expenses and finances, such as using public sector employee loans for emergencies, can help ease retirement insecurity. Many public sector employees face retirement insecurity due to financial worries brought by various challenges and unexpected circumstances. Fortunately, there are options, like public […]
Are you buying a new car? Consolidating your debt? Or paying for a medical bill? Whatever your reason for getting a loan, it is no secret that you should look for a loan with competitive interest and Annual Percentage Rate (APR). Don’t take out a loan without reading the tips below on “Finding a competitive […]
¹Applying 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. 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.
²Approval process and application timings may delay in time if additional documents are needed to evaluate the application. 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.
³We report all loan payments history to the three major credit bureaus. On-time payments may improve credit scores and can help you build your credit.
⁴Payment 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%. 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.
⁵As 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 have biweekly installments of $155. This example is an estimate only and assumes all payments are made on time.
⁶We 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. – 6 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.
⁸All loans are subject to approval and verification. Access Loans® products are funded and serviced by Safra National Bank of New York (“SNBNY”). Our loan programs are available nationwide except for West Virginia.
⁹Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Access Loans® products. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings.
¹⁰Referral Program: Earn at least $50 for each successful referral via ACH. We will determine, at our sole discretion, whether a qualifying referral received a funded loan using your referral code. To receive credit: a) your account with us must be current; and b) the customer you refer: (i) must use your referral link or code at the start of registration when requested; (ii) should not have a current or have had a previous Access Loans® loan; and (iii) should make his or her first loan payment on time. Please allow 6-8 weeks for payment processing. Due to the confidential nature of the loan application process, we cannot disclose information on who has applied, nor will you be notified whether we approve or decline any application from the customers you refer. You may not use any robotic, programmed, script, other automated means or source to distribute the referral link. Bulk email distribution and any use of automated devices or third-party services are strictly prohibited. We reserve the right to disqualify you from the referral program, and the right to modify or discontinue the program or change the terms at any time without notice. Referral bonus may be reported to the IRS as income, in the year received, as required by applicable law. Additional Terms and Conditions may apply.
¹¹We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates and Terms.
TO REPORT A COMPLAINT OR PROBLEM - YOU MAY CALL OR EMAIL US at 888-287-9483; complaints@accessloans.com
2021 ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”) and subject to our Terms Of Use and Privacy Policy.
