How It Works

Requesting a loan with financlon.com is simple. Complete a single form on the website, and your inquiry will be submitted to our extensive network of lenders. Loan amounts range from $1,000 to $50,000 (exact amounts depend on the lender’s program and your state of residence). You can receive a response from one of our lenders the same day, sometimes within minutes. Once your loan is approved, you will be redirected to the lender’s site, where you can review the loan terms, including all applicable rates and fees.

If you agree to the terms, the lender will transfer the funds directly to your bank account as soon as the next business day.

Common Requirements for Loan Approval

Most lenders require the following for approval:

- Employment at your current job for at least 90 days.
- U.S. citizenship or permanent residency, and being over 18 years old.
- A monthly post-tax income of around $1,000.
- A checking account in your name.
- A valid phone number for home and work.
- A working email address.

Fast Inquiry Process

Using secure technology, we match you with a lender in our network who is ready to work with you based on the information you provide. Once a lender is found, they will contact you for any additional documentation, such as employment verification or pay stubs.

Direct Cash Deposit

Once your request is accepted and approved, the cash is deposited directly into your bank account. No need to visit the bank or pay check-cashing fees.

Private and Secure

We employ industry-standard security measures and advanced encryption technology to protect your personal information.

Automated Repayment

If you agree to allow automatic payments through ACH transfers, your loan payments will be withdrawn directly from your bank account. This ensures timely payments and helps avoid late fees.

Late Payments

Late payment policies vary by lender. Make sure to carefully read and understand the loan agreement and your lender’s policy on late payments before accepting the loan. Some states limit late fees, while others may allow lenders to charge fees or demand full repayment if payments are late.

Loan Extensions

State laws may limit or restrict a lender’s ability to extend or roll over loans. Speak with your lender if you need an extension.

Loan Default

If you fail to make payments on time, you may default on your loan, which could negatively impact your credit and affect your ability to obtain future loans.

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Important Disclosures

Serious Financial Considerations:

If you're experiencing significant financial hardship, please explore other alternatives or seek professional financial advice.

Site Visit Recordation Technology:

We use technology, including Jornaya’s LeadiD, to record visits to this site. By submitting your information, you consent to this technology's use.

Website Function:

This site’s owner is not a lender, broker, or agent and does not engage in lender-related activities. By submitting your information, you are requesting to be connected to one or more financial service providers, who will handle the credit application process.

Lead Generation Service:

This service is free for consumers. Lenders pay a fee to connect with users seeking loans, and this is typically managed through a ping tree model, where the highest bidder is linked with the consumer.

Tribal Lending Enterprises (TLEs):

If you are matched with a TLE, please note they follow tribal and federal laws and may not adhere to state law, such as interest rate caps. Their terms, including rates and fees, may differ from state-licensed lenders. Always review and understand the terms before accepting any loan.

Credit Checks:

By submitting your information, you allow us and our network of lenders to perform a credit check, which may involve verifying your social security number and reviewing your creditworthiness through agencies like Experian, Equifax, or TransUnion, as well as alternative bureaus like Clarity and DataX.

Service Availability:

This service may not be available in all states. Be sure to verify your eligibility.

Lender’s Terms and Disclosure:

Your lender is required by law to provide clear information about loan fees, interest rates, and any potential late payment fees. Always read the loan terms carefully and make sure they align with your ability to repay.

Protect Your Credit Score:

Missing or making late payments can damage your credit score. Only agree to loan terms that you can afford and reach out to your lender if you're facing difficulties in making payments.