Direct Loans
Get access to direct personal loan lenders when you need it most. Online. Secure. Free.
Request Online
There are no fees to submit your request and no obligation to accept the loan
Security
You can be sure that your information remains absolutely secure with us
Get Results Fast
After you submit your information we can match you with a lender
Cash Straight Away
If you agree to the lender's terms, e-sign the contract and have cash deposited into your account

How to Get a Loan?

Online personal loans can be the right solution to your financial troubles because they are easily obtained and easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time. Bad credit or no credit are also welcomed to try to get matched with a lender.

1 Fill Out Online Form
Getting a personal loan starts with submitting the quick online form that we have provided. We will only ask you for the information we need to match you with a lender. We also protect your information with 256-bit secure SSL encryption technology so you can rest assured we are concerned about your privacy.
2 Get Results Fast
After your information has been submitted, you can receive an offer from one of the lenders in our network. Please take the time to review the offer carefully — including all of the costs and terms — before making your final decision.
3 Complete Your Request
After you have made your decision, you will need to provide your electronic signature which will enter you into a contract with your lender. Then that lender can deposit the offered funds into your bank account in as soon as the following business day.

WHY EFECTIVY.COM?

It has been a reliable service for online cash loans since the network was created in June of 2015. We connect thousands of people to trusted lenders each month

Do I Qualify for a Loan?

  • You must be at least 18 years old
  • You must live and work legally within the US
  • You must be employed with the same employer for at least 90 days consecutively
  • You must have a valid email address and working telephone number
  • You must have a bank account in your name

and, so What are you waiting for?