- Borrowers Protection Shield
Be treated fairly - always. - Total Security
Your personal data is safe from scammers. - Fast Application
We get things done quickly for you.
Online Credit USA is the first real alternative for payday loans in the USA.
Introducing Borrowers Protection
Shield:
a brand new concept to ensure our lenders are treating borrowers fairly.
Now over 12,000,000 Americans can borrow online
with complete safety & peace of mind.
How does our company work & what kind of services do we offer?
We screen members of our lender network carefully to ensure a high standard of service is provided to our customers.
Our borrowers protection shield is worth it's weight in gold, protecting our customers and making sure you are treated fairly.
If you need your money fast, our lenders will get your funds into your bank quickly, often on the same day as your application.
Get the peace of mind you deserve when applying for credit online
When it comes to online borrowing, our goal is to ensure our customers have all the information they need to make an informed decision. Select your area of interest >>
Online Credit USA is not a lender – we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs for personal loans range from 5.99% to 35.99% and vary by lender with terms ranging from 61 days to 180 months. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
| Amount | Interest Rate | Term | Fee | Fee Cost | Repayment | APR | Total Repayments | Total Cost |
|---|---|---|---|---|---|---|---|---|
| $1,000 | 24.00% | 12 Months | 3% | $30 | $94.56 | 29.82% | $1,134.72 | $164.72 |
| $2,000 | 19.00% | 24 Months | 5% | $100 | $100.82 | 24.12% | $2,419.68 | $519.68 |
| $5,000 | 13.00% | 48 Months | 8% | $400 | $131.67 | 18.23% | $6,320.12 | $1,720.12 |
| $10,000 | 7.90% | 60 Months | 10% | $1,000 | $202.28 | 9.20% | $12,136.80 | $3,136.80 |
APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.