Financial Education
Learn credit education skills to improve your financial well-being, and make informed & effective decisions. Download the CFPB guide below!
Learn credit education skills to improve your financial well-being, and make informed & effective decisions. Download the CFPB guide below!
The resources below can be accessed by downloading the free copy of CFPB’s Credit Education Guide. These are the first steps to build or strengthen your credit history, identify areas of improvement, and figure out where you currently stand.
This will show you how to get a free copy of your credit report.
Learn how to make sure your credit report is accurate.
Learn how to get errors in your credit report fixed.
Learn ways on how to improve your credit score.
Learn when is the right time to use credit vs. not use it at all.
Demonstrates what to do if you’ve been the victim of identity theft.
Get a FREE copy of the Consumer Financial Protection Bureau’s (CFPB) Credit Education Guide – we highly recommend reading this as a starting point to understand your personal credit report and take initial steps towards a better financial future.
*By submitting this form, you agree to be contacted regarding your request and you are confirming you agree to our Consent For Electronic Communication, Consent to Text Message and Contact by Phone, and Privacy Policy.
Below are some third party resources that we found useful when learning about credit and financial education. We want to help you reach your credit and financial goals – please take advantage of these resources.
*These links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Safra National Bank of New York (d.b.a. Access Loans) of any of the products, services or opinions of the corporations or organizations or individuals. Safra National Bank of New York (d.b.a. Access Loans) bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. Contact the external site for answers to questions regarding its content.
Below are some common questions regarding credit scores and overall financial education. It is important you fully understand credit as a whole, in order to make smart financial decisions. You are a click away from being able to answer all of these questions. Download the Credit Education Guide here.
What is credit score and why is it important?
How do I get a free copy of my credit report?
How do I make sure my credit report is accurate?
How do I get errors in my credit report fixed?
How can I improve my credit scores?
What steps can I take to build good credit?
Should I use credit to buy this?
What do I do if Iʼve been a victim of identity theft?
First off this is real... my review is real... I know sometimes I wonder and second guess when I see 5 stars, however this is legit!! I gave 5 stars bc of how easy and fast the process was and in addition my repayments have boosted my credit score tremendously. I would highly recommend it to my friends, family and colleagues.
Access Loans provides reliable loans for federal employees. The approval process is simple and quick, and the money is usually there in 2 business days. The customer service is great, and I enjoy doing business with access loans.
Access loans is a very Professional company. They are customer service oriented. Responsive and easy to use. The loan terms offered are competitive and the application process is quick and easy. I highly recommend this company to anyone that wants an easy pleasant professional experience when seeking a loan provider.
This was one of the easiest and quickest processes I've ever experienced! The staff was very polite and professional and would recommend it to anyone in need!
The process was very simple; customer service was very helpful and friendly. I would recommend them to my coworkers anytime.
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.
