15M Finance isn't handing out loans or recommending specific places to borrow money. We provide only general information about loans available on the US lending market. We operate only in states where payday loans are allowed, and you don't have to accept any offers. It's on you to follow the rules if you do sign for a loan. Submitting an application doesn't mean you'll for sure get money. Lenders might check your credit through the various bureaus. Payday loans work differently from state to state. You are advised to know what's allowed in your state. Check the full Legal Disclaimer.
Need Money Now? Apply with 15M Finance
Explore Your Loan Options
Payday Loans
Payday loans provide fast assistance for your short-term needs. Borrow between $100 and $1,000 to cover minor emergencies and repay the funds when your next paycheck arrives. Your credit score does not affect your approval chances.
Installment Loans
Installment Loans provide convenient amounts of up to $5,000 with more time to repay. Fixed monthly installments over 2 to 24 months ensure you can repay money comfortably without overburdening your budget.
All Loans
Explore our loan options tailored to various life events and credit profiles. With our wide range of financial products, you can easily find the one that will meet your current situation.
Trusted by Thousands of Customers
Got approved in under 48 hours with minimal hassle
Happy with both the service and the final terms
super friendly staff who actually seem to enjoy helping people
How Can I Get a Loan via 15M Finance?
Apply online
You need just some basic personal information and 5 minutes to complete the application procedure.
Stay in touch
After we get your form, a soft credit check will be performed to determine your creditworthiness. The decision is usually sent almost immediately via email.
Assess an offer
If you get approved, read the terms of your loan agreement carefully and accept an offer by signing it electronically.
Receive the funds
Once you sign the loan contract, the money will be deposited into your bank account within 24 business hours.
Am I Eligible?
Here are some general criteria you need to meet to qualify with 15M Finance:
- Age: at least 18 years old;
- Citizenship: permanent US residents only;
- Identification: valid government-issued ID and SSN;
- Income: official employment or other sources of regular, verifiable income;
- Financial information: active bank account and routing numbers;
- Personal details: name, email, mobile phone number, address, etc.
Types of Loans We Offer
Payday Loans
Need to bridge the gap until your next paycheck? Our payday loans offer a fast and simple solution of up to $1,000 to cover unexpected daily expenses. Apply online in minutes and secure the short-term funds you need to keep things running smoothly until payday arrives.
Installment Loans
Our installment loans let you borrow up to $5,000 and pay it back over time. Enjoy fixed, predictable monthly payments, making it easy to manage your budget comfortably without any extra stress.
Bad Credit Loans
We strive to make borrowing simple for people with less-than-perfect scores. Our bad credit loans provide quick financing of up to $10,000 without relying on your FICO rating. No hard credit check is involved in the underwriting process, leaving your credit unaffected.
Emergency Loans
If you need money right now, our emergency loans can get you covered. Apply before the cut-off time and receive the funds in your bank account as soon as the same business day.
Cash Loans
Looking for a more conventional way of getting extra financing? Visit one of our stores and get a cash loan immediately after approval against a post-dated check.
Loans Near Me
If you borrow for the first time, have a unique situation, or need guidance during the process, our friendly staff is always here to provide personalized support. Find a 15M Finance location near you to plan your visit.
Will Requesting a Loan Affect Your Credit Score?
No, requesting and obtaining an emergency loan with us will not affect your credit score. Our loan process only involves a soft credit check that does not show on your credit report. By doing this, we assess your financial situation, banking details, and payment history to ensure you can repay the loan on time.
However, late or missed payments can affect your credit. Your account may be sold to collection agencies, and the information about your unpaid debt might be sent to the three credit bureaus, lowering your FICO rating.
Frequently Asked Questions
Is 15M Finance a direct lender?
15M Finance is not a direct lender. We don’t make any loan decisions on your request. We are a connecting company licensed by the Department of Financial Protection and Innovation. Our role is to help you get in touch with direct lenders who can legally operate in your state. This way, you can find a convenient loan for your situation from multiple options instead of being limited to just one offer.
Do you charge any fees?
No, we do not charge any fees for our service. You’ll pay only the interest and fees set by your direct lender.
I need money now. Can 15M Finance help me?
15M Finance can help you get quick cash for unexpected expenses within 1 business day. For urgent situations, you can visit our physical store and get instant cash right after approval, provided that you repay via a post-dated check.
Do you offer loans on the same day for a bad credit score?
Getting our online loans on the same day is possible, even with bad credit. To qualify, you need to finalize your loan before 10 am on a banking day. Our team works hard to make sure that you receive the money you need on time so that you can get back on your feet. Just note that your bank’s cut-off times can affect the speed of funding, too.
Can I borrow money instantly?
When you apply online, you can receive an almost instant approval decision. However, both the lender and your bank need time to process the transaction after approval. Therefore, it may take up to 1 business day to fund your loan. If you are looking for instant cash, consider applying at our physical store.
I need money desperately. How soon can I receive funds?
When you apply online, you can expect your funds to be in your account within 24 business hours. The exact timeline will vary based on a number of factors, including the lender’s policies and your bank’s processing times.
Can I repay my loan early?
In most cases, you can repay your loan early without penalties. However, the terms may vary by lender and state. Check your loan agreement carefully before prepayment to ensure there are no pitfalls associated with it.