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Fast Money: What You Need to Know

Personal loans offer more flexibility than cash advances or payday loans. You may be able to borrow a larger amount (typically up to $10,000) and you can repay over time with scheduled payments. At FastMoney.com, we can help you find a loan to for a variety of reasons: including an emergency, home improvement or debt consolidation..



Here are some of the benefits of requesting funds:

  • Quick and easy request process
  • All Credit Types Welcome
  • Cash in as soon as one business day
  • Completely secure
  • Easy repayment terms

The Online Personal Loan Service Advantage


With your busy schedule, you don’t have the time to spend making calls, filling out bank loan requests, or searching online for loan options. With our quick online service, you can access our large national network of lenders.

All you need to do is fill out our quick online request from the comfort of your own home or office. You may be given a loan option in just a few minutes and there is no cost for our service.

Request at Any Time, No Fee Required

With our online request procedure, you can submit your request at any time; no waiting for business hours or having to take time off from work. You will be asked to provide some basic information, including your driver’s license number, banking information, and email address. We will try to present loan options from our large lender network that may work for you.

There is no fee to use our service, and in the unlikely event that your loan is not approved, you can re-request as often as you like

All Credit Types Welcome

When you request for a loan with a conventional bank, you can spend hours filling out requests, gathering information, and meeting with loan officers; you will have to wait for a background check, and if your credit is not great, chances are that you may not be approved. Our network lenders work with all credit types, so you can still qualify even if you have less than perfect credit.

What You Need

While our network of lenders works with all credit types, there are still a few requirements for requesting a loan.

  • You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.
  • Full-time employment, be self-employed, or receive regular disability or Social Security benefits.
  • A valid checking account.

Secure Online Process

When submitting a request for a personal loan, you want to be sure that your information remain safe. We use the latest encryption technology to ensure the security of your personal information. Your personal data will never be compromised when you submit a request for a loan with Fast Money.

APR – Representative Range Explanation

The annualized interest rate that you are charged on a personal loan is known as the APR, which stands for annual percentage rate. Because FastMoney.com is not a lender, it is not able to supply you with the exact APR that will be attached to your loan. Keep in mind that APR's can vary by lender, state, and according to the information that you provide in your loan request. Your lender will present you with the APR when you redirect to the loan agreement during the process of requesting a loan.

Representative Example
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Example of a Personal Loan APR Range

Amount Period Monthly Total Paid
$2,000 12 mo $234.07 $2,399.16
$4,000 24 mo $271.42 $5,617.68
$6,000 36 mo $361.89 $9,771.12
$8,000 36 mo $199.93 $13,028.04

Important Implications to Consider

FastMoney.com makes a reasonable effort to work only with reputable lenders dedicated to providing customers with detailed information regarding loan conditions and terms prior to their acceptance of a particular loan offer. You should always carefully review the terms and conditions of any loan offer you receive.

IMPLICATION OF NON-PAYMENT, LATE PAYMENT, OR PARTIAL PAYMENT

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional charges may apply if you are not able to adhere to the repayment schedule set forth by your lender. Make sure that you carefully read all terms and conditions set forth by your lender. FastMoney.com is not a lender and is not responsible for any additional fees charged due to non-payment.

FINANCIAL IMPLICATIONS (INTEREST AND FINANCE CHARGES)

Upon approval, your lender will present you with the interest rate and terms to the loan. You are not obligated to accept an offer from a lender.

POTENTIAL IMPACT TO CREDIT SCORE

Please note that affiliated lenders may perform a credit inquiry on prospective borrowers as part of the credit decisioning process. In the end, your credit rating may be impacted by the actions of your lender. If you do not pay back your loan by the specified due date, your lender may choose to report the delinquency to the credit reporting agencies. FastMoney.com wholeheartedly encourages consumers with credit problems to consult a credit counselor.

COLLECTION PRACTICES

FastMoney.com is not a lender and does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. FastMoney.com makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct and in compliance with the provisions of the Fair Debt Collection Practices Act by the Federal Trade Commission.

LOAN RENEWAL POLICIES

Your lender will present you with loan repayment options as part of the process. It is important that you carefully review your lenders renewal policy before you electronically sign the loan agreement. To avoid additional charges and fees, we strongly encourage every borrower to repay their loan in full by the agreed upon due date.

Customer notice: FastMoney.com has lenders offering online personal loans ranging generally from $500 to $10,000. A personal loan can be a great option for those customers looking to borrow money for a wedding, home improvement, or family vacation. The online process is designed with customer convenience in mind. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use FastMoney.com's services.

Legal Disclaimer: FastMoney.com's Terms of Use and the FastMoney.com Privacy Policy apply to the use of this website and its services. FastMoney.com matches borrowers with lenders and thus the specific terms and conditions of the specific lender will apply to any loan a borrower takes out. Any display of APR, loan amounts, interest or other loan details are only estimations. In reality these amounts will vary by lender and by borrower. Lending decisions are based on many factors, including but not limited to credit history, employment history, and loan repayment history. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use FastMoney.com's service to initiate contact, or request for credit or any loan product with any service provider or lender. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any personal loans or make any credit decisions. FastMoney.com simply helps borrowers find lenders for installment loans.

FastMoney.com aims to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

Availability: Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender.