How It Works
We offer a free, fast and simple online service that gives you access to our network of lenders and other third-party networks of lenders that we work with. Just fill out our simple loan request form and we will show your information to the lenders in these networks to try and find one that is willing to offer you a loan. See our Disclosure for more information on how this works and how we get paid by these lenders and networks.
If a lender offers you a loan, you will be redirected to their site and they may call, text and/or email you about your loan offer. Review the loan terms very carefully and compare them to all options available to you before you accept the loan offer. Once you do that, funds will be deposited into your account, usually within one business day. It’s just that easy!
As an additional service to our users, if no lenders offer you a loan, we may pass some of your contact information to a marketing partner so you can receive offers for debt relief, credit repair, credit monitoring or similar services. Don’t worry, we don’t share any of your sensitive information with them. They may contact you by phone, text, or email. You may also be redirected to their websites. If you receive one of these offers, be sure to carefully review the offer and compare it to all other options available to you. If it is not the best option for you, you should not accept the offer.
Always keep in mind that our service is designed to try and connect you with a lender that is willing to offer you a loan. It is not designed to connect you with the lender that offers the best loan terms. You should not assume that a loan offer you receive is the best option available to you. Always look at the terms of the loan carefully and compare it to all options available to you before accepting.
The following is a short list of criteria that lenders are generally looking for. Please note that meeting these criteria does not mean you will receive a loan offer:
- Be employed for at least 90 days and meet your lender's specific minimum income requirements.
- Be at least 18 years of age.
- Have U.S. citizenship or permanent U.S. residency.
- Be listed as the primary account holder of a valid checking account.
- Have both work and home contact phone numbers.
- Have a working email address.
When you fill out and submit our loan request form, we show your information to the lenders in our large network of lenders so they can choose whether to offer you a loan. We may also show your information to other third-party lender networks to get your information in front of even more lenders so they can also choose whether to offer you a loan. Our approach increases the likelihood you will receive a loan offer and may help you avoid having to go to many places to try and obtain a loan offer. As an additional service, if you are not offered a loan, you may be presented with a debt relief, credit repair, credit monitoring or other offer. You do not have to accept any of these offers.
We understand that you are requesting a cash loan because you need cash fast. While banking institutions can take weeks to review your information, we can show your loan request information to lenders who are willing to choose whether to offer you a loan almost instantly. Once you provide all the requested information, your information is immediately sent to our network of lenders and to other third-party networks of lenders so these lenders can choose whether to offer you a loan. If your receive an offer, you can review it, provide any additional information needed, sign your loan agreement, and funds can be available as soon as the next business day.
At MobileLoans.com, we understand the importance of maintaining secure transactions over the Internet. That’s why we utilize advanced and secure encryption technology to protect your information. Our website is also tested daily to help ensure our customer information is secure from hackers and other scammers.
For your convenience, most lenders allow your loan repayment to be automatically withdrawn from your checking account on the due date. You will not need to travel to a local cash loan store or worry about mailing in a check on time to avoid late fees. Just make sure you have enough funds in your account to cover your loan repayment — including interest and fees — on the date it’s due so your lender will deduct the appropriate amount for you. Keep in mind that we are not a lender and do not exercise any control over any lenders or endorse any specific lender.