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MobiLoans › Products

MobiLoansThree loans. One simple platform.

Cash Advance, Personal Loan, and Credit Builder — pick the one that fits your moment.

Most Popular · Up to $1,000

Cash Advance

Need $100 before payday? Get it in 60 seconds — paid back automatically when your paycheck hits. No interest if paid on time. Just an optional tip if we helped.

  • ✓ Up to $1,000 per pay cycle
  • ✓ 0% interest if paid back on time
  • ✓ Auto-repay from your linked bank account
  • ✓ No credit check, no penalty fees
  • ✓ Funds available in under 60 seconds
$1,000Max per cycle
47sAvg funding time
$0Mandatory fees
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From 8.99% APR · $1K – $25K

Personal Loan

For the bigger life moments — consolidating debt, fixing your car, or covering an unexpected emergency. Fixed rates from 8.99%, terms 12–60 months.

  • ✓ Borrow $1,000 to $25,000
  • ✓ APR from 8.99% to 35.99% (based on credit)
  • ✓ Fixed monthly payments, 12–60 month terms
  • ✓ Same-day funding to your bank
  • ✓ No origination, no prepayment penalty
  • ✓ Builds your credit (reported to all 3 bureaus)
$25KMaximum amount
8.99%Starting APR
60 moMax term length
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Build Credit · +78 pts avg

Credit Builder

A small installment loan that exists for one purpose: to build your credit history. We hold the money in a secured savings account, you make 12 monthly payments, and your score climbs.

  • ✓ Loan amounts from $300 to $3,000
  • ✓ 12 monthly payments starting at $25/mo
  • ✓ Money held in a secured savings — you get it back
  • ✓ Reported to Equifax, Experian, and TransUnion
  • ✓ Average credit score lift: +78 points in 6 months
  • ✓ No credit check to qualify
+78 ptsAvg score lift (6mo)
$25/moStarting payment
3Credit bureaus reported
Start building credit
Side-by-side

Which loan is right for you?

Three different tools for three different moments.

Cash Advance
Best for emergencies before payday
💰 Up to $1,000
⏱️ 60-sec funding
📅 Pay back next paycheck
🎯 No credit check
Personal Loan ★
Best for bigger expenses
💳 $1,000 – $25,000
📈 8.99%–35.99% APR
📅 12–60 month terms
📊 Builds credit history
Credit Builder
Best for building credit
🏦 $300 – $3,000
📅 12 monthly payments
⬆️ +78 pts average lift
💵 You get the money back
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Pick a product. Get your rate in 60 seconds.

Free, no commitment, won't affect your credit score.

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