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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 […]
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 […]
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 […]
How To Make Your Money Last After Retirement The average lifespan in the US is around 78 years old*, which means that you will need to support yourself on your post-retirement income for close to two decades. The challenge for retired federal employees, then, is how to stretch their money. Our ACESS LOANS™ products have […]
4 Ways To Borrow Money When You’re Retired Ideally, retirement should be about relaxing, traveling, and all types of leisure activities. However, some federal employees sometimes find themselves in a financial crisis due to unexpected expenses. If you find yourself needing extra money post-retirement, you may want to consider a loan. Is It Possible For […]
Federal Employees, Are You In The Right Financial Position To Retire? After decades of working, you surely have been coveting retirement. Retirement is an important milestone that the smartest employees prepare for in their youth. Check out if you’re really ready for retirement. And, if you’re not yet 100% ready, read on to see how […]
Common Mistakes Federal Employees Make in Retirement Planning Federal employees enjoy unique, sometimes better, benefits than other non-public sector employees. Make sure you take full advantage pf your federal benefits by planning for retirement adequately. If you want to live a happy and comfortable life post-retirement, avoid these crucial mistakes. 4 Common Federal Employee Retirement […]
Money Management Tips for Young Adults 5 Crucial Personal Finance Tips for Generation Z Want to set yourself up for financial success? Start as early as now with these 5 money management tips for young adults. Gen Z has officially started entering the workforce. Similar to the previous generation of millennials, Gen Z carries with […]
Credit Score Ranges And How They Affect Your Financial Profile What Are Credit Scores and What Do They Really Mean? Your credit score affects your financial profile and many aspects of your life. Learn what each credit score says about you and how it affects your financial profile. One of the main things adults worry […]
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.
