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When and How To Start Planning For Retirement? Everyone looks forward to retirement, but not enough people plan for it sufficiently. Retirement planning is a long and complicated process, which raises the question “when and how should you start retirement planning?” Read on to learn the answers to these questions and how loans for federal […]
Tips For Finding Competitive Loan Programs Are you buying a new car? Consolidating your debt? Or paying for a medical bill? Whatever your reason for getting a loan, it is no secret that you should look for a loan with competitive interest rates and Annual Percentage Rates (APRs). Don’t take out a loan without reading […]
2022 Personal Finance Tips With only a few months left in 2022, many people are now starting to think of ways to improve their personal financial health. Let us help you with some tips on how to stay in control of your personal finances in 2023. Cutting Back On Spending If you think more money […]
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. Fast Relief The approval process is fast. There is no […]
Get Out Of Credit Card Debt Revolving debt in the US soared to $19.8 billion at the end of 2021, which is the largest increase in history. Credit cards are unequivocally one of the most expensive types of debt due to their high interest rate, late fees, and other penalties. Eliminating credit card debt may […]
How To Handle An Emergency With Limited Emergency Funds? Did you come up short on funds during an emergency? Our ACCESS LOANSTM product can help. Read on for more tips on how to handle this situation. Things don’t always go as according to plan. Sometimes you have an emergency expense that far exceeds what you […]
Savings Or Debt: Which Should You Prioritize? It seems like an impossible task to save while paying off your debts, especially when you are on a limited budget and have to decide which one to prioritize. Here are some considerations to help you decide which one to prioritize, as well as how you can prioritize […]
Financial Planning Tips Proper financial planning can help you prepare for your future. For unexpected expenses, getting an employee loan is a good option. Having a stable source of income can help young employees get started on their road to financial security. However, this journey can be challenging. People working for a long time know […]
When it comes to business, employees are among a company’s biggest assets. So, it is important to provide assistance and support when they need financial help. Financial hardships are not uncommon. In fact, around 78% of American workers are living paycheck to paycheck. Turning to lenders is one of the solutions that people often think of. However, […]
Importance Of Financial Wellness And How To Achieve It Though you may not be aware, financial wellness goal that you like most of us, are struggling to achieve. Let’s talk about why financial wellness is important and how you can achieve it with our Access Loans employee loan programs and some tips. Why Do You […]
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.
