FAQ

Is Loanza a lender?

Loanza is not a lender. Loanza is here to do the heavy lifting for you by connecting you to one of our trusted lending partners. When you need a loan, Loanza will search our database and try to connect you with a lender who is able to offer you a loan today. Loanza members also have access to our members area where you can view other exclusive offers.

Can I get a personal or payday loan with bad credit?

Loanza has partnerships with over 90 different lending partners to ensure we can offer loans and financial products to as many customers as possible. Many of the lenders we work with offer bad credit payday loans and bad credit personal loans. The final decision always comes down to the lender, so while we cannot guarantee you will get a loan, we will always do our best to find you a lender who is ready to lend to you.

How much money can I borrow?

Loanza’s lending partners offer loans that range from $100-$100,000. The loan amount you qualify for can depend on which lender approves you, your credit profile, your net income and what state you live in.

How quickly can the money be deposited in my account?

Some lenders we work with can have the funds in your account the same day you submit your request, however each lender has different rules. You will need to speak with your lender to determine how quickly the money will be in your bank account.

What are the requirements to get a personal or payday loan?

To be approved for a loan, you need to meet the individual requirements of the lender you are connected to. The lender will evaluate your form and decide if you are eligible based on its own established list of considerations such as income, past loan history and state of residence.

The most common requirements for a payday loan are:

  • Valid checking or savings account
  • Be 18 years of age
  • Be a U.S. citizen or permanent resident
  • Minimum regular income of $800 per month

If your loan form is accepted, your appointed lender may contact you directly and ask for extra information in order to approve your loan. For the best chance of being connected with a lender, make sure you fill out the form with truthful and accurate information.

Is my personal and financial information secure?

Loanza uses various security systems to maintain the safety of your personal information. All personal and sensitive data transmitted between your computer's browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

How do I request a loan with Loanza?

Loanza has made borrowing quick and easy! Simply do the following:

  • Complete our simple on-line form to get connected with a lending partner.
  • You will usually receive your online decision from the lender within minutes.
  • If approved, you then agree to the terms and conditions of your loan and electronically sign your loan agreement. In most cases, the funds with be in your account as soon as the next business day.

Loanza is not a lender. We work in the background to connect you with a qualified lender in our network.

If connected with a lender, they may contact you to complete the process, review the terms of your loan and discuss repayment options. Please review our Terms and Conditions for comprehensive information regarding our loan service.

Don’t forget to create a Loanza account so you can access our members area!