How It Works

USALoanToday’s accelerated online lending process was created to make it faster and more convenient for borrowers like you to access funding up to $10,000. By working with a network of many lenders and advertisers across the nation, we attempt to connect customers with a lender in minutes. Our loan request process takes everything online – from form submission to lender approval and funding. If successfully approved, you’ll receive funding in as little as next business day, although this can vary by lender.

Some of the lenders in our network offer personal loans from 12 to 60 months, giving you the freedom and flexibility to budget your loan over time. When you need a competitive personal loan fast, look no further than

Understanding personal loans

Fast, Easy and Secure Online Form

USALoanToday loan request form is easy to complete and takes less than five minutes. We will only ask you for the information that is necessary for the lender to consider you for the loan. After you submit your information, we will share it with our network of participating lenders and advertisers. Personal loan lenders can offer you up to $10,000 as soon as the next business day, often without requiring you to fax a single document. We use modern encryption algorithms, providing you with a secure connection as you navigate through our website.

Personal loan Offers with No Obligation

Minutes after you submit your information, you can be connected with a lender. You will be able to review the terms and conditions before you accept. If you do not like an offer, you are under no obligation to accept it - simply decline and re-submit your information to be qualified for another offer.

Receive Your Funds

Once you have chosen the personal loan offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. In general, loan underwriting can take up to 24 hours (depending on the lender and the information you provided), and the money is deposited into your bank account as soon as the next business day.


Before you request a loan on, it is important to ensure that you will have the funds available to repay the loan in the specified time frame. In most cases, the amount borrowed, plus any applicable fees and interest will be withdrawn from your bank account on a predetermined date. Other payment options are also available per lender. If for any reason, you are unable to repay your loan on your due date, you can contact your lender to ask about extensions. Make sure you do so before the due date. Any adjustments made to your current loan conditions will include additional charges. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of major credit bureaus, which could negatively affect your rating. encourages consumers with credit problems to consult a credit counselor. Some lenders might have other repayment options available. Make sure to review the terms closely and check with your lender before signing the loan agreement.

Get Connected With a Lender

Get a real-time response on your loan request. After submitting your information, if a lender is interested in working with you, will redirect you to the lender’s web site where you will be able to review loan terms and conditions. In many cases, the lender will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. You will want to respond in a timely manner to ensure that funds are deposited as quickly as possible. If we can't find a personal loan for you, we'll do our best to find you a small dollar loan to help you with your temporary needs.

Do I Qualify for a Personal Loan?

The lenders who participate in our referral service will have their own criteria to determine whether an applicant is eligible for a loan. There are general requirements borrowers must meet to qualify for these types of loans. Before requesting a personal loan on, make sure you meet the following criteria:
  • You must be 18 years or older
  • Have a valid Social Security number
  • Be a U.S. citizen or permanent resident
  • Have a steady source of income (e.g. employment, SSI, etc.)
  • Have a valid bank account for deposits and repayment
  • Have a valid telephone number and email address
  • Meet minimum income requirements

Responsible Lending

In order to enjoy all the benefits of a personal loan, it is important to repay your loan on time. You should also contact your lender immediately if a situation arises that may cause you to miss a payment. This will allow you to negotiate new terms with your lender and may save you money. Short-term credit should not be used as a long-term financial solution. New monthly credit payments should only be utilized when you’re spending is less than your monthly income. The additional credit also should not take away from the amount of money you’ve committed to saving. If you abuse your borrowing rights, you can damage your personal finances, and incur additional fees. Avoid creating a cycle of debt by following responsible borrowing practices and seek credit counseling if you need help managing your credit difficulties.

Advertising Disclosures

USALoanToday does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with USALoanToday at no cost. The offers that you might receive are from companies from which USALoanToday receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). USALoanToday does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.


Please refer to the FAQ page for general information about personal loans. To provide feedback or comments regarding our website, please email us at For questions about your loan or loan terms, please contact your chosen lender directly. does not have access to your loan details and cannot answer any questions relating to it.