Get Personal Loans Up to $10,000
- Fast Approval & Same Day Funding
- Easy online application
- No impact on your FICO score
- Bad credit Welcome
- Convenient monthly payments
See Why Our Customers Choose Us
Good way to get a few hundred bucks to recover from the holidays
Very friendly and helpful staff and a smooth process
I was shocked! The money arrived within a few hours, literally!
What is a personal loan?
A personal loan is a borrowing option that can be used for various needs without restrictions on the loan purpose. It comes in the form of a lump sum amount that you repay over time in fixed installments. Personal loans are typically unsecured and require no collateral, but often have stricter requirements.
Here’s what makes 15M Finance loans one of a kind
Actually Honest About All Costs
We stand for transparency and show you real APRs upfront. You’ll know what to expect before you commit.
Soft Credit Checks Only
Applying won’t hurt your FICO rating. The credit inquiry we perform is made to estimate your creditworthiness and will not appear as a hard credit check on your credit reports.
No Application Fees
Using our service is completely free. We do not charge you upfront or apply extra fees for simply reviewing your application.
Actual Customer Support
Our customer care team consists of real people you can contact if something goes wrong. We do not use robots that leave you hanging.
Types of Personal Loans We Offer
At 15M Finance, you can access multiple personal loan options designed for different life situations and events:
Installment Loans
Loans with structured repayments that won’t strain your budget.
Tribal Loans
Fair borrowing options for Native Americans.
Emergency Loans
A quick fix for unexpected expenses that can’t wait.
Cash Loans
Fast cash when direct deposits do not work.
Second Chance Loans
Loans for borrowers with less-than-perfect credit scores.
Holiday Loans
Holiday financing for your unforgettable celebration.
Direct Lender Installment Loans
Money from a direct lender with convenient monthly payments.
Loans with Monthly Payments
A simple loan with predictable monthly payments.
Application process as simple as ABC
Fill out a form
Complete our online application in just 5 minutes with just basic information and documents needed.
Get approved
The system will verify your application details quickly. If approved, you will receive a suitable loan offer in minutes!
Access the funds
Read and e-sign the agreement and get the money deposited into your bank account within 1 business day.
Requirements for Getting Approved
- Age requirement: You’ve gotta be at least 18 (19 in some states).
- Income proof: Pay stubs, bank statements, tax returns, or other documents showing you’re bringing in money regularly. Side gigs and freelance work also count.
- Bank account: We need you to have an active checking account to deposit the money and collect payments.
- Basic personal info: Provide your SSN, proof of address, and a valid phone number so that we can verify you’re a real person.
Credit score is not a determining factor. We work with people in the 580-650 range or even lower. The worse your credit, the higher your APR will be. However, approval is still possible.
Can I get a personal loan with bad credit?
It depends on the lender you work with. Traditional financial institutions usually require a credit score of at least 680. At 15M Finance, we apply no minimum credit score requirements and accept borrowers with bad or no credit. Just note that a lower credit score may result in a higher APR.
Our Terms
| Fixed rates starting at | Repayment terms | Loan amounts of | Upfront fees |
| 16% | from 2 to 60 months | $500 to $10,000 | $0 |
“Guaranteed approval” notice: Beware of anyone promising guaranteed approval. Legally, lenders are obliged to verify your creditworthiness and the ability to pay the loan back. At 15M Finance, the underwriting process only involves a soft credit check that does not affect or rely solely on your credit score. What we actually do is review your overall financial situation to estimate your loan eligibility. Although the approval is not guaranteed, this approach allows us to provide loans to people overlooked by traditional banks.
15M Finance is a licensed loan company that practices fair and responsible lending. Our website allows you to access multiple loan offers by submitting one application form, which increases your chance of getting approved.
APR and Cost Examples
Interest rates are subject to approval and depend on a borrower’s credit score. APRs usually range from 16% to 35.99% for people with good credit. Applicants with bad credit can expect higher APRs.
The table below shows how personal loan costs change based on the loan amount, interest rate, and repayment terms:
| 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 |
*The above APRs are for illustrative purposes only based on recent 15M Finance approvals. They may differ from your particular loan terms.
Compare Your Options
While personal loans can provide quick assistance for a wide range of needs, they may not fit everyone. Below is a quick comparison that will help you decide on the option that perfectly meets your needs:
| Loan Type | Amounts | Funding Times | Best for | Watch out for |
| Personal Loan | $500 – $10,000 | Same day to 2 days | Bigger expenses, building credit, fixed payments | Minimum credit score requirements Higher total interest over time |
| Bad Credit Installment Loan | $500 – $5,000 | Same- or next-day funding | Larger needs, borrowers with less-than-perfect scores | Higher APRs Extra fees More interest paid over time |
| Payday Alternative Loans | $100 – $2,000 | 1-3 days | Covering short-term needs at lower rates | Membership required Longer approval and funding times Hard credit checks |
| Payday Loans | $100 – $1,000 | Same- or next-day funding | Small emergency and quick cash needs until your next paycheck | Short repayment period (2-4 weeks) Very high APRs State availability |
| Cash Advance Apps | $20 – $500 | Instant to same day | Very small cash gaps against your next paycheck, interest-free options | Small loan limits Membership and subscription fees |
Will applying with 15M Finance affect my credit score?
Our loans usually come with a soft credit check only. It does not affect your credit as long as you pay on time.
Interest-Free Alternatives to Consider First
Before you take out any loan, consider the following options. Some of them may work best for you without creating unnecessary debt:
- Ask your employer for a paycheck advance. 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.
- Negotiate with creditors. Medical clinics, landlords, and utility companies are likely to offer you flexible payment plans if you are in good standing and ask politely. This way, you can pay for the service in installments without being charged extra interest and fees.
- Turn to local assistance. Many community or government-backed programs offer financial support to those who need it. You may get help with necessities like rent, utilities, groceries, medical costs, and childcare. Dial 211 to find a suitable program in your area.
- Sell unused stuff. If you have any items you do not use, consider selling them to generate some extra cash. Facebook Marketplace, OfferUp, and local buy/sell groups may help you find buyers online.
FAQ
How quickly will I receive the funds?
With us, you can receive the funds within 1 business day after approval. Same-day funding may be available to applicants who finalize their loans before 10:30 am on a banking day. Otherwise, your direct deposit will arrive on the next business day. Your bank’s cut-off times may also affect the speed of funding.
