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How it worksFAQPrivacy PolicyTerms
How it worksFAQPrivacy PolicyTerms

How It Works

SUBMIT YOUR INFORMATION:

Our forms are easy, fast, and secure.

QUICK DECISION:

No long waiting periods.

FUNDS TO YOU:

See the cash in your account as soon as the next business day.

About Online US Loans

At Online US Loans, we are dedicated to providing quick and reliable loan solutions tailored to your financial needs. As a trusted online loan provider, we work closely with leading direct lenders to simplify your search for short-term loans, installment loans, and personal loans.

Streamlined Loan Process

We understand that time is of the essence when you need funds. Our innovative platform saves you the hassle of searching through numerous lenders. With real-time access to a wide panel of over 100 trusted lenders and brokers, we deliver fast loan decisions.

Meeting Your Financial Requirements

Whether you need a loan for a new car, unexpected bills, or an emergency expense, Online US Loans has you covered. Simply complete our short form, and you'll receive an instant online decision tailored to your unique circumstances.

Smart Loan Matching

Our advanced loan sourcing engine swiftly searches hundreds of lending products, connecting you with a suitable direct provider or broker. In the event that we are unable to secure a loan for you, we may offer alternative products, such as credit cards or credit reporting services.

Transparent and Reliable Service

Online US Loans, a trading style of Choose Wisely Ltd, is committed to your financial well-being. We prioritize your security and will never contact you to request money or ask you to purchase any products before receiving your loan.

Flexible Loans for All Credit Backgrounds

No matter what your credit background, many of our lenders are willing to offer loans to consumers with various FICO scores. Loans typically range from $500 to $10000 and can be repaid over 3 to 60 months. You will typically have the option to customize your repayment plan based on your financial goals.

Experience Online US Loans today and discover a trusted partner that puts your financial needs first.

Online US Loans is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third party lenders. You register online from your home computer or any mobile device. Because the process occurs in real time, it's very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them), the money could be available for your use as soon as the next business day

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Disclosure & Range of Annual Percentage Rate (APR) for Qualified Customers: At Online US Loans, we prioritize transparency and responsible lending. The Annual Percentage Rate (APR) represents the annual interest charged to borrowers and includes associated fees and costs. Due to our extensive network of lenders, we cannot guarantee a specific APR, as it varies based on the lender and your unique circumstances. Generally, APRs for loans can range between 5.99% and 35.99%. It is crucial to carefully review the loan agreement provided by the lender for precise APR and repayment terms.

Representative Examples of APR, Total Loan Costs & Fees for Qualified Customers: To provide insight into potential loan terms, here are representative examples of APR, monthly payments, and total amounts paid for various loan amounts and terms:

  1. For a $1,000 loan with a 12-month repayment term, the APR is 29.82%, resulting in a monthly payment of $94.56 and a total amount paid of $1,134.72.

  2. For a $2,000 loan with a 12-month repayment term, the APR is 24%, resulting in a monthly payment of $189.12 and a total amount paid of $2,269.44.

  3. For a $4,000 loan with a 24-month repayment term, the APR is 12%, resulting in a monthly payment of $188.29 and a total amount paid of $4,518.96.

Financial Implications (Interest & Finance Charges): As a loan matching service, we do not set the specific fees and interest rates for your loan. It is essential to thoroughly review the loan agreement provided by your lender, which will include comprehensive information about the loan's associated costs. Before proceeding, ensure that you fully understand and accept the terms. Our loan matching service is free, and you are under no obligation to accept any offers presented by the lender.

Late or Non-Payment Implications: By accepting the terms and conditions of a personal loan, you commit to repaying the loan amount and any applicable interest within the specified timeframe outlined in the loan agreement. Failure to meet these obligations, including late payments, may result in additional charges. Please review your lender's late, partial, and non-payment policies as detailed in the loan agreement. It is crucial to collaborate with reputable lenders who handle past-due accounts fairly and reasonably.

Potential Impact to Credit Score: Our lenders may conduct credit checks to assess your creditworthiness. It is important to note that missed payments or late payments can negatively affect your credit score. To maintain a healthy credit history, manage your loan responsibly and make timely payments.

Collection Practices: Online US Loans is not involved in the debt collection process, as we are not a lender. Your lender will outline specific debt collection practices in the loan agreement. We exclusively collaborate with reputable lenders who adhere to fair collection practices.

Legal Disclaimer: Online US Loans connects borrowers with lenders or lending partners, and the terms and conditions of the specific lender or lending partner will govern any loan you select. Displayed APRs, loan amounts, and other loan details are estimations and may vary based on the lender or lending partner and your individual circumstances. We are not lenders, loan brokers, or agents. We do not make credit decisions or broker loans. Any information you submit through our website will be shared with lenders or lending partners. Please carefully review the terms provided by the lender before accepting any loan offers.

Availability and Material Disclosure: Personal loan lenders operate under distinct rules and regulations in each state. Consequently, your loan amount, APR, and repayment terms may vary based on your location, creditworthiness, and the lender or lending partner. We are not affiliated with any specific lender, and our advertising referral service connects you with lenders that may offer loans ranging from $500 to $10,000.

Loan Renewal Policies: Loan renewal options may not always be available. We recommend reviewing the renewal policy outlined by your lender before signing the loan agreement.

Important Disclosures. Please Read Carefully: Individuals experiencing serious financial difficulties should explore alternative options or seek professional financial advice.

This website is not an offer to lend. OnlineUSLoans.com is not a lender or lending partner and does not make loan or credit decisions. OnlineUSLoans.com connects individuals with lenders or lending partners from its network of approved lenders and lending partners. OnlineUSLoans.com does not control or take responsibility for the actions or inactions of any lender or lending partner. We are not an agent, representative, or broker of any lender or lending partner and do not endorse any lender or lending partner. OnlineUSLoans.com may receive compensation from its lenders and lending partners. Our service is always free to you. In certain cases, you may have the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and specific federal laws, exempt from state laws, including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require dispute resolution in a tribal jurisdiction. We urge you to read and understand the terms of any loan offer, whether from a tribal or state-licensed lender, and reject any offer that you cannot afford to repay or find unacceptable.

This service may not be available in all states. If you request connection to a lender or lending partner in a state where such loans are prohibited or in a location where OnlineUSLoans.com lacks an available lender or lending partner, you will not be connected. We encourage you to read and understand the terms of any loan offer from lenders and lending partners, rejecting any offer that you cannot afford to repay or find unacceptable.

By submitting your information via this website, you authorize OnlineUSLoans.com and its partners to conduct a credit check, which may include verifying your social security number, driver license number, or other identification, as well as reviewing your creditworthiness. Credit checks are typically performed by major credit bureaus such as Experian, Equifax, TransUnion, Teletrack, DP Bureau, or others. You also authorize OnlineUSLoans.com to share your information and credit history with a network of approved lenders and lending partners.

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