Disclaimer

Our goal is to help you get the funds you need, fast. Whenever possible, we provide loans directly from The Loan Lounge, Inc. However, in cases where we are unable to fund your loan request ourselves—for example, if our available funds are limited at the time of your request—we may securely share your information with one or more of our trusted third-party lenders who may be able to assist you.

These partner lenders are carefully vetted, but they are not directly affiliated with The Loan Lounge, Inc., and they may offer loan terms that differ from ours. You are under no obligation to accept any offer, and you should review their terms independently before making a decision.

Submitting a loan request through our online form does not guarantee approval. All loan requests are evaluated based on various factors including your income, employment, credit profile, and state eligibility requirements. Whether your loan is funded by us or a third-party lender, the final approval decision rests with the lender.

If your request is approved, the lender—whether The Loan Lounge, Inc. or a third-party partner—will present a loan agreement that clearly outlines all key terms, including the Annual Percentage Rate (APR), repayment schedule, finance charges, potential late fees, and any other applicable costs.

You are never required to accept a loan offer. We encourage you to read the full agreement carefully and ensure that you understand all terms and conditions before electronically consenting to proceed.

Repayment terms vary depending on the lender and loan type. Some loans may be due in full by your next payday, while others may be structured as installment loans with terms typically ranging from 3 to 24 months. Your loan agreement will include a complete repayment schedule and disclose the total cost of the loan, including APRs, which may range from 6.99% to 35.99%.

Missing payments or failing to repay your loan on time may result in additional charges and could affect your credit, depending on the lender's reporting practices.

By using this website, you agree that any disputes related to a loan obtained through this platform—whether funded by The Loan Lounge, Inc. or a partner lender—may be governed by the Tribal laws of the lending entity's jurisdiction, which may differ from your state laws.