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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 Contributions to a TSP are tax-deferred, grow over time, and the funds can be withdrawn after retirement.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 […]
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 […]
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The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness, or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters.
Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security.
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* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).
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.
