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About Us

15M Finance is a connection service focused on helping middle-income, credit-challenged consumers build a better financial path. We know it can be hard to find the right loan for your emergency. 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!

Together with our loan providers, we can help you with all kinds of loan products: emergency loans and installment loans are our specialties. Also, they offer payday loans. No matter your needs, we want to ensure you have access to the best possible product. And all these without having to worry about whether or not you’ll be able to get approved in the first place. We work hard every day to ensure your money isn’t just sitting around doing nothing!

We’ve been in the business since 2020. We started with a simple idea: to help people get out of debt. 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.

Meet Our Founder, Shania Brenson

Growing up, I always knew that I wanted to help people. My parents were teachers and my grandfather was a pastor, so helping others was just in my blood. But it wasn’t until I got into college that I realized how powerful the tools of lending could be for helping people get their lives back on track.

I studied economics and accounting at Texas State University, where I learned all about how the economy works and how businesses can thrive in it. When I graduated, I decided to put my knowledge to work helping simple Americans get extra cash when they need it most—to save their budget. So, I worked three years as a financial advisor in Texas and helped thousands of people reach a high level of financial literacy.

After several years of thoughts, I decided to launch 15M Finance and be closer to those who want a better life for their families. So, this little company is about being here and now, among all Americans in need.

Please, if you need something or have questions, don’t hesitate to reach me at [email protected].

Our Mission

We don’t believe in hard credit checks or asking for a lot of information upfront—we know that life happens, and it’s easy to fall behind on your bills. That’s why our lenders offer loans with no credit checks and hard pulls on your credit report!

We’re passionate about making sure that everyone has access to our services and to products of our lenders, no matter what their situation may be. 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 History


We keep our finger on the pulse of the lending industry and improve our services in accordance with 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.

Our mission remains the same: we’re here to make people feel safe, comfortable, and confident in their financial future. We continue to develop and grow by helping people across the country access the fast and fair online financial assistance they deserve.


We don’t just want to help people get out of debt—we want to give them the tools and resources they need to stay out of it. In 2020 when we opened up 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 a new essential 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.


We’re dedicated to providing connection services that put you, the borrower, at the forefront. Our lenders don’t just focus on improving rates. They also renewed their annual percentage rates (APRs). Our clients knew exactly what they were getting into before they sign the dotted line. We helped a lot of potential borrowers to match with a suitable lender that suited their financial needs.

We believe in increasing consumer awareness—especially in an industry where so many things can go wrong. And we’re always working towards making our customers more educated about their options before they take out a loan.

We’ve been helping people overcome financial difficulties. 15M Finance has grown to over 30 locations in the USA. We’re not done yet! We don’t just want to help people get out of debt—we want to give them the tools and resources they need to stay out of it.

Our goal is simple: to help every person who walks through our doors achieve financial freedom. That means giving them the tools they need to overcome inflation and manage their money well.


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 trustful.

We’ve always been committed to helping people in 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 access to the resources they need. 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 to gain financial independence.

Our Milestones

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

We know how hard it can be to get approved for a loan, especially when you’re lacking in a credit history or have 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.

So go ahead: dream big! We’ll help ensure those dreams come true with our unique approach to lending.

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