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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

Borrow Money Online Today

Apply with 15M Finance and get money in your bank account within 24 hours. We are the best way to get quick loans at low-interest rates so you can live a more comfortable life.

If you’re looking for a way to get cash now, 15M Finance is here to help. We offer quick and easy loans that can help you pay off bills and make other financial goals a reality. All our fast loans are easy to understand and don’t require any paperwork—you’ll receive the money immediately!

Available Loan Amounts

If you need money now, we offer a wide range of cash loan amounts. You can choose a needed loan amount of $100, $300, $500, and $1,000. We’ve made it our mission to make the process easy and stress-free. Our team is ready and waiting to walk through the application process with you so you can borrow money you need as soon as possible.

Benefits of Using a Loan

There are many reasons to use a cash loan. When you’re in a tight spot, or just want to get ahead, a quick loan can be your best friend. Here are some of the benefits of taking out a cash advance loan:

A payday loan will help you get out of debt within one business day.

A cash loan helps you save money on interest payments by paying off your bills in one lump sum.

A payday loan will allow you to buy things that you need right away and don’t have the cash for, like grocery bills or minor house or car repairs

A loan gives you access to more money than is available in your bank accounts or retirement funds.

Representative Example

We offer a variety of loans and cash advances at different interest rates and loan terms. If you borrow $500 at a rate of $15, you will repay a total of $575 on your next payday. Your loan, approved for 45 days, will cost you $75 in interest, with an APR of 121.67%. The fees are called “points,” and they are paid to the online lender as part of your loan payments.

How Do Emergency Loans Work?

When you need cash now, it can feel like your options are limited. But at 15M Finance, we do our best to make getting the money you need easy and convenient.

We’ve made sure that our application process is simple and straightforward, so you can get the money today. All you have to do is fill out a short form and answer a few questions about yourself, and then we’ll get back to you with approval within minutes.

Once approved, all that’s left is for you to pick up your cash! You can choose from several different payment methods: direct deposit, check by mail, or pick up at one of our locations—it’s all up to you!

How Do Emergency Loans Work

What are The Minimum and Maximum Amounts You Can Borrow?

We know that every borrower is different, which is why our direct lenders offer a wide range of loan amounts to choose from. The minimum amount you can borrow is $100, and the maximum loan amount is $1,000. If you need a larger loan amount, try other loan options available on the market.

How to Get Money Fast?

We offer short-term financing solutions for people who have a bad credit rating or no credit history at all. Those with good credit histories are also welcomed. Compared to other lenders, our loan providers understand how important it is to provide access to fast cash when you need it most, so they don’t require any collateral or security deposit before approving a loan application. Simply fill out our simple online form. Our lenders have flexible repayment terms. One of our friendly representatives will follow up with more information about how much money you can borrow as soon as possible.

Emergency Loans for Bad Credit & Instant Approval

Are you in a crunch and need fast money today? We know how it feels to be in a bind, and we’re here to help. 15M Finance is a small loans company that has been helping people with bad credit scores get out of financial crises since 2020. We understand that sometimes you just need a little extra cash to get by, to pay for an emergency expense, or perhaps even something fun like a vacation. And we also know that if you have a bad credit score, it can be hard to find online lenders who will approve your loan request. That’s why we offer emergency cash immediately for people with poor credit!

Our process is simple: You fill out our online application, which takes less than two minutes and requires no paperwork or faxes. Once your application is approved (usually within several minutes), you can get as much as $1,000 in your bank account quickly and start tackling your financial emergency right away. We work with all types of payday lenders who will help you get bad credit loans with a repayment schedule and reasonable rates.

Are There No Credit Check Loans?

Yes, there are no hard credit check loans. You just have to know where to look. There are some lenders that do not perform a credit check, but they may still have a very high-interest rate. However, you can apply to multiple lenders through us and receive the best loan offer for your needs.

Eligibility Requirements

A valid ID (driver’s license, passport, etc.) Proof of stable income (pay stubs or an employer letter) A bank account statement or some other form of proof that you have sufficient funds to pay back the loan A valid E-mail address and phone number.

How Long Does it Take to Apply for a Loan?

If you have all the needed information prepared, it may take you up to 3 minutes to apply. Make sure you take your time and verify your contact and bank details before pressing the “Apply” button.

Are Payday Loans Available in Your State?

Payday loans aren’t available in every state. Payday loans are legal in Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.

Payday loans are restricted in Colorado, Montana, New Hampshire, North Dakota, and Oregon.

Payday loans are prohibited in Arizona, Arkansas, Connecticut, the District of Columbia, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, and West Virginia.

If you live in one of the states that do allow payday lending, you can check the laws to make sure you’re following them.

Where Can I Borrow Money Near Me?

If you’re looking to borrow money today, you’ve come to the right place. We can help you get the fast cash you need for whatever purpose within one business day. We know that all of us have cash shortages or nothing on our savings account. That’s why we offer short-term loans in many different states across the US. Note: check the legal status of payday lending in your state.

How Can You Repay The Loan?

There are a few ways you can make loan repayments. You can pay the loan back in full, which means paying off the entire amount of money you borrowed. You will have to pay interest on this option. Plus, if you repay the loan early, you will avoid the late payment fees.

Another option is to set up monthly payments, which could be more affordable than paying off the loan at once if you have a tight budget. If this option works for you, make sure to set up automatic payments so that they are taken out of your account automatically each month. It will help prevent late fees!

Will Requesting a Loan Affect Your Credit Score?

Yes, requesting an emergency loan will affect your credit score. However, it’s important to note that the effect on your score will be temporary. When you apply for a loan, the lender will check your credit history and look at several factors that could impact how likely you are to repay the loan with your monthly income. Information about payment history and how much money you owe compared with what you can afford is included in your credit report.

The length of time since you’ve taken out an emergency loan also matters—the longer it has been since your last loan application, the better your credit score will appear. If you have other accounts open with different lenders—like credit cards or mortgages—you’ll want to make sure those are all in good standing before applying for a loan so that lenders will see that you’re capable of handling more debt than just one loan at a time.

Frequently Asked Questions

Is 15M Finance a Direct Lender?

15M Finance is not a direct lender. We are a connecting service that helps you get in touch with thousands of direct lenders, and we help you find a convenient loan for your situation. We don’t make any loan decisions on your request. We just get a commission from our lending partners if your loan enquiry is successful. 15M Finance is licensed by the Department of Financial Protection and Innovation.

Do You Charge Any Fees?

No, we do not charge any fees for our connecting service. You’ll pay only the interest set by your direct lender.

I Need Money Now - Can 15M Finance Help Me?

If you are looking for some quick cash to cover an unexpected expense, then 15M Finance can be the right choice for you. While there are many options available, it is better to go with the best option when you need money in your checking account within one business day.

Do You Offer Loans on the Same Day for Bad Credit Score?

Our lending partners offer online loans on the same day for a bad credit score, but only if you apply before noon (before 10.00 AM). Our team works hard to make sure that you get the fast funding you need in a timely manner so that you can get back on your feet.

Please, Help Me - Can I Borrow Money Instantly?

You can borrow money instantly from our website. We make small loans to people like you all over the world. We make it easy for you to get the money you need to pay your utilities or medical bills, or whatever else is important to you. And we’ll help your friends and family do the same thing (with their own loans).

I Need Money Desperately - How Soon Can I Receive Funds?

If you’re looking for a short-term loan, you can expect your funds to be in your account within 24 hours. We’re happy to help you get your funds as soon as possible. The exact timeline will vary based on a number of factors, but if you have any questions about when we’ll be able to get a few hundred bucks, just let us know!

Can I Repay My Loan Early?

Yes, you can repay your loan early! If you have a loan from our lenders, you can make early payments as long as your lender allows it. But if you’re making an early payment, be sure to keep in mind that it may affect the length of your loan and the interest you pay on it. Avoid late payments by making monthly repayments if you borrowed a medium-term loan.