• Online Credit USA

    Online Credit USA

    The safe alternative to payday loans in America




Finally a real alternative to payday loans in America

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.






  • 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.

Now over 12,000,000 Americans can borrow online
with complete safety & peace of mind.





We are here to help you with two important things




Getting you the money you need - fast!


  • How much can I get?
    Our lenders provide $100-$25,000 online
  • Can I apply with bad credit or no credit?
    Yes, some of the lenders in our network specialize in loans for people with bad or no credit.
  • How fast can I get the money?
    Once approved, some of our lenders can get you the money as fast as today.
  • How long does the process take?
    The Online Credit USA application is simple, taking around two minutes to comlete.
  • Is my information safe?
    We use military grade encryption and other technologies to protect your personal data.

Making sure lenders always treat you fairly.


  • What is the Borrowers Protection Shield?
    Our Borrowers Protection Shield (BPS) is our iron-clad safety system designed to protect our customers.
  • How does the BPS work?
    Unlike many finance companies, we represent our customers not our lenders. In the event of lender problems, disputes or unexpected circumstances, we use our infuence and the power of our network to work in your favor.
  • Does this extra protection cost money?
    Absolutely not. After you receive your loan simply register for our Borrowers Protection Shield to activate your cover.
  • How much does Online Credit USA charge?
    We never charge our customers, we make our money from our carefully approved lenders.



Fast application, high approval and complete protection.



America's most trusted alternative to payday loans


National Coverage


Why choose Online Credit USA?


How does our company work & what kind of services do we offer?




Online Loans With Safety


We screen members of our lender network carefully to ensure a high standard of service is provided to our customers.



Borrowers Protection Shield


Our borrowers protection shield is worth it's weight in gold, protecting our customers and making sure you are treated fairly.



Quick Money To Your Bank


If you need your money fast, our lenders will get your funds into your bank quickly, often on the same day as your application.






Four simple steps


Get the peace of mind you deserve when applying for credit online


Apply Online

Apply & let us search our powerful lender network for you

Agree & Sign

Agree to your loan & sign your documents online

Get Your Cash

Receive your cash directly within hours of your loan approval

Protect Yourself

Register for our Borrowers Protecion Shield for total protection

Essential Info

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 >>

Credit College

Credit College

Our Credit College has a
wealth of information about credit
and borrowing in the USA.

State Credit Laws

State Credit Laws

Find out about credit and
online borrowing laws in your
state with our state credit guide.

Credit Help Center

Credit Help Center

Our Credit Help Center is designed
to answer your questions and
queries about online loans.

Providing secure & safe borrowing for customers across America



APR Disclosure Table


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
$1,00024.00%12 Months3%$30$94.5629.82%$1,134.72$164.72
$2,00019.00%24 Months5%$100$100.8224.12%$2,419.68$519.68
$5,00013.00%48 Months8%$400$131.6718.23%$6,320.12$1,720.12
$10,0007.90%60 Months10%$1,000$202.289.20%$12,136.80$3,136.80


Representative Example


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.