Need Money Now? Apply with 15M Finance!
- Loans of up to $10,000
- Easy online application
- No impact on your FICO score
- Bad credit, welcome
- Multiple repayment options
What Our Customers Say
Big shout out to 15M and their store manager Becca for helping me get $200 fast
Quick process and very professional stuff
Great for fast cash for the holidays
Why Choose 15M Finance
Thousands of customers keep turning to 15M Finance for a reason:
Clear Cost Disclosure
We are transparent and provide all the borrowing terms upfront. You'll know your APR, fees, repayment period, and monthly payment amount before you commit.
No Impact on Your Credit Score
Our loans come with a soft credit check only. It will not appear on your credit reports and is made to estimate your current financial situation and your ability to repay.
No Application Fees
Our service is completely free and involves no fees for simply reviewing your application. There’s nothing you have to pay for except for a lender’s APR and charges.
Professional Customer Support
There are always real people on the other end of the line. You can contact us if something goes wrong and get a quick response from our customer care representative.
Types of Loans We Offer Online
We know that one size doesn’t fit all. That is why our loan options are designed to meet a wide range of our customers’ needs. Whether you’re looking for long-term assistance or need a small loan to cover a short-term money gap, we’re here to offer you a suitable solution.
Loans by Amount
$150 Loans $255 Loans $350 Loans $800 Loans $1,200 Loans $1,800 Loans
Personal Loans
Tribal Loans Emergency Loans Cash Loans Loans with Monthly Payments Second Chance Loans Holiday Loans Direct Lender Installment Loans
Fast Cash Loans
One Hour Payday Loans Instant Cash Advances Same-Day Payday Loans
Application Process
We make it fast and simple to apply for our loans online. Here are 3 steps to follow:
Complete an online application
It will take you just 5 minutes to fill out our easy form.
Wait for approval
The underwriting process is automated and does not affect your credit.
Get the funds
If approved, read and e-sign the agreement. The money will be deposited into your bank account within 1 business day.
Trusted by Thousands of Customers
these guys turned my holiday stress into joyful cheers. The application was so easy
Quick, easy, and it didn’t vanish into thin air. Miracles do happen!
happy to deal with them cuz of their loan rates and flexible schedules for repayment recommend their services and loan agreements
What You Need to Qualify
Here are the documents and information we need to process your application:
- Age of at least 18 (19 in some states)
- Valid government-issued photo ID
- Social Security number
- Income proof (pay stubs, bank statements, tax returns, etc.)
- Active bank account and routing numbers
- Contact info (proof of address, valid phone number, and email)
Other Ways to Get Quick Cash
Any loan is a financial obligation that should be considered carefully. Before applying, consider alternative, debt-free options that may work best for you:
Paycheck advances from your employer
Some companies will front you a portion of your next paycheck through a specific platform or HR department. This option involves no interest and no credit check.
Payment plans
Many service providers offer flexible payment plans to help debtors manage costs, especially if they are in good standing. Ask politely, be honest about your situation, and show them you have a realistic plan for repayment.
Local and government-backed assistance
Needy individuals and households can find various programs that offer help with necessities like rent, utilities, groceries, medical bills, and childcare costs. Visit 211.org or dial 211 to learn more about the options available. Certain eligibility criteria may apply.
Garage or online sales
Look around and find the items you no longer use in your house. This stuff can be something other people are looking for right now. Use platforms like Facebook Marketplace, OfferUp, or local buy/sell groups to sell it online and generate income.
Terms & Rates
Your exact APRs and terms are subject to approval based on the loan type, your state, credit, and financial profile. Here are common terms for different loan options:
Payday Loans
Loan amounts: $100 – $1,000 Repayment terms: 14 to 30 days Finance charge: $10 to $30 for each $100 of the loan Average APR: 391% Fees: Origination and late fees may apply
Cost Examples:
| Loan Amounts | Finance Charge (per $100) | APR (14 days) | APR (30 days) | Total Cost |
| $100 | $15 | 391.07% | 182.50% | $115 |
| $300 | $20 | 521.43% | 243.33% | $360 |
| $500 | $25 | 651.79% | 304.17% | $625 |
Installment Loans
Loan amounts: $500 – $5,000 Repayment terms: 2 to 24 months APRs: 16% – 200% Fees: Origination and late fees may apply
Cost Examples:
| Loan Amount | APR* | Repayment Period | Monthly Payment | Total Cost |
| $800 | 17.99% | 6 | $140.42 | $842.50 |
| $1,500 | 24.31% | 12 | $142.06 | $1,704.77 |
| $4,000 | 35.99% | 24 | $236.17 | $5,668.04 |
Personal Loans
Loan amounts: $1,000 – $10,000 Repayment terms: 12 to 60 months APRs: 5.99% – 35.99% for borrowers with good credit Fees: Origination and late fees may apply
Cost Examples:
| Loan Amount | APR* | Repayment Period | Monthly Payment | Total Cost |
| $1,000 | 16.85% | 6 | $174.95 | $1,049.72 |
| $5,000 | 21.93% | 18 | $328.47 | $5,912.53 |
| $10,000 | 32.99% | 36 | $441.06 | $15,878.06 |
