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Aiming to Help Americans in Need

We are a team of financial experts who assist consumers in finding the best loan offers for different money needs, all without hard credit checks.

About Us

15M Finance is a connecting service focused on helping middle-income, credit-challenged consumers build a better financial path. We know finding the right loan for your emergency can be challenging. That is why we work with trusted direct lenders who are passionate about creating accessible lending products. Our lending partners don’t perform hard credit checks and even allow bad credit!

We’ve been in the business since 2020. We started with a simple idea: to help people make informed financial decisions. In those early days, we were just three people working out of our bedrooms and trying to make it happen. Now, we’re helping thousands of families across the country pay off their debts so they can start living the lives they want to live.

Together with our loan providers, we can help you with all kinds of loan products. Our specialties are emergency and installment loans, and they also offer payday loans. No matter your needs, we want to ensure you have access to the best possible product.

Our Impact

Since 2020, we’ve assisted over
565,709 Americans
in covering their emergencies.

We’ve saved our customers over
$289 million
in fees on their loan products.

Our Mission

We don’t believe in hard credit checks or asking for much information upfront. Our lenders offer loans with no credit checks and hard pulls on your credit report! We’re passionate about ensuring everyone can access our lenders’ services and products, no matter their situation. That means no hard credit checks, bad credit allowed—we don’t judge! If we can help you achieve your goals, then it’s worth doing.

Our Values


We provide transparent financial services with no hidden clauses or fees.


Working with 15M Finance is 100% safe and secure because we use encrypted technologies.


Each of our customers receives a personalized approach while working with us.


We aim to be honest by following our principles and helping consumers when they need financial aid.

Our Milestones

At 15M Finance, we know how to make your dreams come true. We’ve been around for a long time and grown with the times. We have a track record of helping people achieve their financial goals by making getting the loans they need easier. And now, we’re going to do that for you.

We know how hard it can be to get approved for a loan, especially with a credit history or in an unconventional situation. That’s why the direct lenders of 15M Finance developed their unique system of credit checks—we don’t run any! Instead, we focus on what matters most: to find available lenders in your area. That’s why we offer the best customer support in the industry.

Our History


We keep our finger on the pulse of the lending industry and improve our services to meet our customers’ expectations and changing market conditions. The one thing we are proud of the most is our free mobile app designed to help Android and iOS users get money on the go from anywhere without being tied to their location.

We have also worked on security to ensure the safety of personal data. With our customers in mind, we track modern lending tendencies and improve our products to make them competitive and accessible.


In 2020, when we opened our first location in a small town in Texas, it was a significant risk for us, but it paid off. The response from our customers was so positive that we decided to continue opening new locations in small towns across America.

We launched an essential new expansion of our team. We’ve been taking time to examine, research, and establish ourselves as a company that is not only dedicated to its customers but also to the communities in which they live. In addition, our team has been working on building up our charitable efforts, helping with climate improvement ventures, and getting involved with local community organizations.

Our growth over the last year has also expanded our team — we’ve added new members committed to ensuring that 15M Finance is always doing what it can to give back to those around us.


Our lenders focus on more than just improving rates. They also renewed their annual percentage rates (APRs). Our clients knew exactly what they were getting into before they signed the dotted line. We helped a lot of potential borrowers to match with a suitable lender that suited their financial needs.

We’ve been helping people overcome financial difficulties. 15M Finance has grown to over 30 locations in the USA. We don’t just want to provide people with suitable loan offers – we want to help them improve their financial literacy.


Shania Brenson joined 15M Finance as a co-founder. She brought with her years of experience as a financial advisor and helped us to grow our services by adding loan managers who are verified and trustworthy.

We’ve always been committed to helping people with their financial difficulties, and now we have the tools needed to do so more than ever before.

At 15M Finance, we believe that every American deserves to be financially secure and have the necessary resources. So, despite the pandemic, we’ve grown into a better connection service. Of course, we were all affected by Covid-19 in different ways. But we’re proud that our company has grown and evolved to support America through this crisis.

We’ve made an effort to help Americans in need. For example, we created a Financial Champion Scholarship for students who want a better financial education and independence.

Meet Our Team

Our company couldn’t have been founded without our financial experts and a team of passionate people who help others overcome money issues. Each team member plays a role in building trustful services.

Shania Brenson photo

Shania Brenson

Co-Founder & Financial Expert

Shania Brenson is passionate about helping people get guaranteed approval loans and find the right way to invest their money to make intelligent choices that will benefit them in the long run. That’s why Shania continued her efforts and started her career in the lending industry by working at various financial institutions.

Kayla Harris photo

Kayla Harris

Personal Finance Writer and Expert Contributor

Kayla Harris is a finance writer and expert in 15M Finance that strives to make her business positively affect the community, individuals, and families. She is a graduate of the University of Wisconsin with a major in Finance and Financial Management. Kayla started to apply her knowledge while being a student, which helped her to cover her student debt a few years after graduating.

Terryl Payne photo

Terryl Payne

Financial Expert and Advisor

Terryl Payne is a financial expert and advisor at 15M Finance, passionate about empowering consumers to achieve financial success. He is a highly regarded professional with years of experience. Terryl has earned a reputation for his strategic insights, unwavering dedication, and commitment to helping his clients and readers secure their financial futures.