The Access Loans product is offered by Safra National Bank of New York (“SNBNY”), a nationally chartered U.S. Bank supervised by the Office of the Comptroller of the Currency (www.safra.com). We want to inspire financially healthy communities and provide financial inclusion to all individuals.
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.
⁶ We 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. – 5 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.
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.
⁹ We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates and Terms.
¹⁰ We may modify, suspend, restrict, or discontinue the operation, maintenance or provision of this Website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party.
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.
2022 ACCESS LOANS™ product is offered by Safra National Bank of New York (“SNBNY”), Member FDIC, Equal Opportunity Lender, and subject to our Terms Of Use and Privacy Policy.
