4 Easy Steps

  • 1. Complete the Short Loan Request Form
  • 2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer
  • 3. Review other non-loan offers to see if any makes sense to you
  • 4. If Approved, Review and Accept Your Loan – All Conveniently Online
  • Remember, our service is free and you’re not obligated to accept any loan offer.
Requirements to complete our online form:
  • Be at least 18 years old.
  • Provide proof of citizenship, such as a Social Security number, or legal residency.
  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Have a checking account in your name.
  • Provide work and home telephone numbers.
  • Provide a valid email address.
Loan Process:
  1. Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request. If we cannot find a loan offer for you, we may pass some limited information about you to our marketing partners, so you can receive offers for credit repair, debt relief, or similar services.
  2. Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!
  3. When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)
  4. Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process

The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.

That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.

Note: e-loan.net is not a lender; rather, we specialize in connecting borrowers with our network of bad credit lenders and financial service providers. e-loan.net cannot dictate your loan terms, conditions or interest rates/fees.

Loan Amounts $500 to $5000
Repayment terms 3 to 36 months

Example of Representative APR

1. Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400

2. Borrowing $4000 over a 24 month period will cost you $270 a month with a total cost of credit of $5615