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How to Check Your Current Financial Position? If you’ve been working hard to exercise good money habits, chances are you want to know your current financial position. Read on to learn about the vital metrics and how you can measure them. Net Worth Net worth is easy to measure, and it’s among the most important […]
Personal Finance Tips That Will Change Your Approach To Life Does financial stability often feel like a distant dream? You can make this dream a reality by changing the way you view and handle your finances with these tips from our Access Loans™ product. Personal Finance Tips To Change Your Attitude Love Yourself First You […]
Common Myths About Bad Credit If you have bad credit, you have probably researched tips on how to improve your credit score, things that hurt it, and how to monitor your score. You may also have believed a few popular myths, about credit scores. Let’s debunk these common myths. 4 Most Common Myths About Having […]
Avoid These Mistakes When Applying For A Loan Online Applying for a loan is a major decision. Here are some of the most common mistakes to avoid when applying for a loan. Mistakes To Avoid When Applying For A Loan Not Checking Your Credit Score As you are aware, your credit score is a major […]
When Is The Right Time To Use Your Emergency Savings? Surprises are great when it comes to birthdays and anniversaries, but rarely for financial emergencies. To safeguard your financial health from emergencies, you may have saved up to 6 months’ worth of your salary. Now the question remains: when is the right time to use […]
Saving Money When Living Paycheck to Paycheck Developing A Money-Saving Mindset To Prepare For The Unexpected Saving money when living paycheck to paycheck can be difficult to achieve. For emergencies and unexpected expenses, our Access Loans™ product can help. Living from paycheck to paycheck is stressful in itself. Having unexpected expenses or needing cash due […]
Online Pitfalls You Should Avoid There may come a time when you need cash immediately but you don’t have money on hand. When this happens, you become desperate and begin to scramble for emergencies loans. Regardless of how urgent your situation is, do not fall for these mistakes when you apply for loans online. You […]
Budgeting Strategies Make This The Year You Meet Your Financial Goals Budgeting is the foundation of a well-managed financial life. However, it is also one of the most challenging aspects of personal finance. Budgeting is a key to meeting your financial goals. You can achieve all your financial goals with these budgeting tips. Increase Your […]
Financial Planning When You’re Broke How to Plan for Your Financial Future When You’re Broke It is never too late or too early to start planning for the future. Prepare for your future and achieve your life goals with a financial plan. Have you been living paycheck to paycheck all these years? Or are you […]
TSP Loan: Pros vs. Cons A Thrift Savings Plan or TSP is a retirement savings program that federal employees and members of the uniformed services get as a benefit. Contributions to a TSP are tax-deferred, grow over time, and the funds can be withdrawn after retirement. Federal employees may also borrow against these contributions. If […]
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.
