Borrow $100 to $25,000 in minutes — online, no waiting room. Get approved in 60 seconds with funds in your bank same day. No paperwork, no faxing, no branch visits.
Soft credit pull — no impact to your credit score
Three loan products, all in one app. No paperwork, no hidden fees, no surprises.
Need money before your next paycheck? Get it in 60 seconds, paid back automatically.
For bigger life moments — consolidate debt, fund a project, cover an emergency.
A small installment loan reported to all 3 bureaus. The fastest way to build credit history.
Your data is encrypted, never sold, and protected by the same standards top US banks use.
Invite friends, both get $50 when they fund their first loan. Top referrers earn $1,000+/month.
Real specialists, never bots. Available in English & Spanish, every hour of every day.
Drag the sliders to see exactly what you'd pay each month. No commitment, no credit pull.
The whole process takes about 3 minutes. We tested it.
One simple form, about 60 seconds. We never sell your info.
Snap a photo of your ID and connect your bank. We take care of the rest.
See your real rate instantly. Slide to pick the amount and term that fits.
Money in your account in under 60 seconds. Spend it on whatever you need.
Lending shouldn't feel like a test you might fail. Here's what we commit to every member, every loan.
When approved, money lands in your bank before you finish your coffee.
What we quote is what you pay. No origination, no monthly, no prepayment fees.
Lost your job? Medical emergency? Pause payments up to 90 days, no penalty.
Real specialists, day or night. English & Spanish. Average pickup under 90 seconds.
The average MobiLoans user takes 3 loans per year. Here's what they're funding.
That mystery noise just became a $1,400 estimate. Cover it before tomorrow's commute.
Co-pays, prescriptions, ER visits. Pay the bill in full, repay us monthly.
Burst pipe, broken HVAC, new water heater. Funds before the contractor arrives.
Roll multiple high-APR cards into one fixed payment. Save up to $4,200 per year.
Bootcamps, certifications, license fees. Invest in yourself, repay over time.
Security deposit + movers + first month rent. Cover it all in one go.
Inventory, equipment, marketing. Side hustle to legit business.
Vet bills, wedding, broken laptop. Sometimes life happens between paychecks.
Side by side with traditional banks and payday lenders. The numbers speak for themselves.
| MobiLoans | Traditional Bank | Payday Lender | |
|---|---|---|---|
| Time to funding | 60 seconds | 3–10 business days | Same day |
| APR range | 8.99% – 35.99% | 6% – 36% | 300% – 700% |
| Minimum credit score | 540 | 660+ | None |
| Application time | 3 minutes (on phone) | 30–60 min (branch visit) | 15 min (storefront) |
| Origination fees | ✓ $0 | 1% – 6% | $15+ per $100 borrowed |
| Prepayment penalty | ✓ Never | Sometimes | Rollover fees |
| Hardship plan | ✓ Free pause up to 90 days | Depends | ✗ Aggressive collections |
| Builds credit | ✓ All 3 bureaus | ✓ All 3 bureaus | ✗ Not reported |
| 24/7 human support | ✓ Yes (avg 89s) | ✗ Business hours | ✗ Robocalls |
We've spent 7 years obsessing over the loan experience. Here's what that obsession looks like.
Funded to members in 2025 — up 87% from 2024.
Approval rate for first-time borrowers in our last quarter.
Average credit score lift after 6 months on Credit Builder.
Hidden fees, ever. What you see is what you pay.
Recognized by the publications and institutions that scrutinize fintech the hardest.
Real members, real stories. We didn't pay for any of these — promise.
"My car broke down on a Sunday. I'd been turned down by my bank twice. MobiLoans had $2,000 in my account before the tow truck arrived. Saved my week."
"Credit Builder took me from 580 to 685 in 6 months. I can actually qualify for an apartment now. Best $25/month I've ever spent."
"I run a small bakery. Got a $12k personal loan to buy a new oven the same day. The whole thing took 4 minutes. My old bank would've taken 3 weeks."
"I've referred 11 friends. That's $550 in pure profit. Plus the app is genuinely useful. Win-win."
"Customer support actually picked up at 2am when I was panicking about an overdraft. Got a $300 cash advance that night. Never going back to my old bank."
"Best part: no calls from collectors. I missed one payment, they texted me a 'no judgment' note and offered to push it back a week. Treating people like people works."
96% of applicants who meet these basic requirements get approved for something. The other 4% — we still help with credit-building tools.
Check my eligibilityNo. Checking your rate uses a soft pull — invisible to credit bureaus. A hard inquiry only happens if you accept an offer and complete the loan agreement. You can shop rates risk-free.
For cash advances under $500, average funding time is 47 seconds after approval. Personal loans average 3 hours for same-day applications. Credit Builder activates immediately upon approval.
We approve members with scores as low as 540. Even better — we look at your full financial picture, not just a number. Income, employment, and banking history all factor in. 96% of first-time applicants get approved for something.
None. No origination fees, no prepayment penalties, no monthly maintenance charges. Cash Advance is free if paid back on time (just an optional tip). Personal Loans show your total cost upfront before you accept. What we quote is what you pay.
No — we're a financial technology company. Loans are originated by our partner banks (Cross River Bank, WebBank), both FDIC-insured. We're licensed in 48 states (excluding NV and CT) and registered with NMLS #2148732.
Reach out via live chat or call 1-844-555-0142. We have hardship plans that pause or reduce payments for up to 90 days with zero penalty. We've helped 240,000+ members through job losses, medical issues, and emergencies. We treat you like a human, not a number.
Real advice on debt, credit, and budgeting — written by humans, fact-checked by CFPs.
No hacks, no tricks. Just three habits, repeated monthly. Here's exactly what worked.
I tried both methods on $18k of credit card debt. The math winner surprised me.
Variable income makes saving feel impossible. Here's the system that worked for me.
Apply online free and see what you qualify for in a minute. Soft credit pull only — no commitment, no impact to your score.
Free · No commitment · Won't affect your credit score