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How it Works

At FederalCreditLoans, we have done everything we can to make requesting your personal loan as simple and safe as possible. Just complete and submit our simple form and you may gain access to the entire network of qualified independent lenders. If matched for a loan, the lender will let you know how much you qualify for, and, if you decide to accept the loan you are offered, your lender will provide you with all the information you need to make an informed decision. If you like the offer, simply provide your e-signature and up to $35,000 can be in your bank account in as little as one business day!

FederalCreditLoans gives you access to dozens of lenders with varying qualification requirements. Most of our lenders require at least the following

Most of our lenders require at least the following to be approved:

  • Must be employed or have a source of income.
  • Must be over the age of 18.
  • Must be a US citizen or a permanent resident.
  • Must have a bank account in your name.

If you meet these minimum requirements, go ahead and submit your request for your loan today!

Step 1: Skip the Line and Request Your Funds Online

With Federal Credit Loans, you can skip the hassle and traffic of driving to a bank or credit union and waiting in line to ask for funds. Through our website, you can request the money you need anytime, from anywhere – we are always open! The whole process takes minutes and is entirely online. Just provide some basic personal information and submit! Plus, you can always feel safe submitting your information through Federal Advance, because we use 2048-bit data encryption through every step of the process to make sure your information is safe.

Step 2: E-Sign Documents & Get Your Funds!

As soon as you submit your information through our form, Federal Credit Loans goes to work searching our vast lender network for a loan that can work for you. If we find an offer for you, we will immediately redirect you to the lender’s website for your review of the loan information before you can e-sign. Everything can be completed online and shouldn’t take you more than a few minutes!

Federal Credit Loans understands that you need your funds fast - so we’ve worked with our lenders to make sure that once you’ve signed, your lender can direct deposit your money into your bank account as soon as the next business day!

Step 3: Repay Your Loan and Build Your Credit

At Federal Credit Loans, we make sure to only work with lenders who are compliant and have fair debt collection practices. All of the specific terms of your repayment will be in the documents provided by your lender, and the lenders in our network are always more than happy to answer your questions. Just contact your lender directly if you have any concerns! If you repay your loan on time, it can help build your credit, too – meaning that repaying your loan may even increase your chances of qualifying for credit cards, loans, and other financial products in the future!