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5 Reasons Why You May Need a Short-Term Loan

By Access Loans Authors

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 LOANSTM product.

  1. Fast Relief

The approval process is fast. There is no need for you to go through a complicated application. In fact, you can get approved for a loan after completing three easy steps. In most cases, you get the money your need in a week or less. You may even get the funds directly deposited into your bank account. If you qualify, you may even get same-day funding.

  1. Transparent Help

Unlike other lenders, we do not have hidden fees. We do not charge pre-payment fees.

Also, you do not need to worry about the payment setup. We can help you set up your repayment schedule. Our team can guide you through the process to make your payments.

  1. Straightforward Process

As stated earlier, the application process is simple. You can easily complete the form online. You can even apply from any device. You do not need to provide any collateral to get approved. All you need to submit for our review and approval are your identification documents along with your application.

  1. Convenient And Fixed Interest Rates

High interest rates make it harder for individuals to pay off their debt. It is important to know whether the rates are fixed or compounding. If they are compounding, you may end up paying so much more. Our ACCESS LOANSTM product offer convenient and fixed interest rates.

  1. Report Your Payment History

What makes our loan program ideal is that applying will not affect your FICO credit score. In fact, paying your loan on a timely basis may even help you build your credit history. That is because we may report your payments to at least one of the top three credit bureaus.

If you want to know more about our Access Loans product, contact us.

 

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ACCESS LOANS™ product is offered by Safra National Bank of New York (“SNBNY”) and subject to Terms. Member FDIC. Equal Housing Lender.

 

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¹ When you apply to refinance your loan, our team will review your credit, employment history, and other important factors. Access your client portal for information on your eligibility to refinance.

² Approval process & application timing may be delayed if additional documents are needed to evaluate the application. Loans can be funded on the same day if the application is (i) approved and signed on the same day and today is a banking business day, and (ii) certain administrative steps (e.g. relevant banking information is provided) have been completed by 1:30 pm EST.

³ We may report your payment history to at least one of the 3 major credit bureaus. Late or non-payment of your debt may negatively impact your credit rating.

⁴ Our loan product allows you to borrow $850 - $6,000. Loan terms range from 8-36 months. The maximum Annual Percentage Rate (APR) is 35.99%. Your actual APR may be higher than the rate shown. Advertised rates, terms, and programs are subject to change without notice.

⁵ As 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 biweekly installments of $155. This example is an estimate only and assumes all payments are made on time.

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⁷ Our loans are subject to credit approval and verification. Your eligibility to refinance your current loan is not a commitment to lend. We may gather information about you including, but not limited to, credit bureau information, information for verification of income and of your expenses. We also verify your identity. Income and debt must meet eligibility requirements as established by our underwriting guidelines which is subject to change without notice. Advertised offer is also subject to change without notice.

⁸ Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with our Access Loans® product. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings.

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TO REPORT A COMPLAINT OR PROBLEM - YOU MAY CALL OR EMAIL US at 888-287-9483; complaints@accessloans.com

ACCESS LOANS™ product is offered by Safra National Bank of New York (“SNBNY”), Member FDIC, Equal Opportunity Lender.

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