How It Works

My American Loans is in no way a lender, nor do we make credit decisions. We are a referral service with connections to 100’s of lenders nationwide to help get you the financial help you need. Please read below for more information.

Request Your Loan

Submit an online loan request through our safe & secure form.

Receive a Decision

Find out if you are approved in just a few minutes.

Receive Your Money

Receive funds in your account as soon as the next business day.

Minimum Lender Requirements

You register online from your home computer or any mobile device. Because the process occurs in real time, it’s very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them,) the money could be available for your use as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • 18 years of age or older
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

Loan Requirements

Installment loans are known for having lower APR rates than a cash advance loan, and typically offer higher loan amounts. We offer up to $2500 installment loan for bad credit for rent, mortgages, emergencies, or any other purpose you may need them. If approved, you will receive the month in your account as soon as the next business day. You will need to sign a document that states you understand how much the lender is willing to lend you, the APR rate, payback period and the total amount owed at the end of the loan period.

Attention: If you have an existing loan out already, on government benefits, or have any history of defaulting on loans, your approval chances will be lower. 

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