How It Works

Getting a loan is easy with Toppfinan.com

Toppfinan.com makes getting a loan easy. Complete one simple form on Toppfinan.com and your request will be submitted to our vast network of lenders. Loan amounts range from $1,000 to $50,000 (the exact amount depends on the lender’s programs and your state of residence). You can get a response from one of our lenders the same day, and often within minutes. Once approved, you will be redirected to the lender’s website where you can review the terms of the loan, including details of all applicable interest rates and fees. If you agree to these terms, the lender will deposit the money directly into your bank account the next day.

Approval Requirements

Most lenders have the following requirements for approval:

* You must have been employed at your current job for at least 90 days.
* You must be a U.S. citizen or permanent resident and be over 18 years of age.
* Your monthly income after taxes must be approximately $1,000.
* You must have a checking account in your name.
* You must provide a working phone number for home and work.
* You must provide a valid email address.

Fast Request Process

With our secure technology, we will find a lender in our network who is willing to work with you based on the information you provide. Once we have a lender willing to work with you, that lender will contact you to obtain any additional information that may be needed (e.g., proof of employment, payroll, etc.).

Money is sent directly to you

Once the lender accepts and approves your request, the money will be transferred directly to your bank account. This means you don’t have to travel to the bank to sign and deposit a check or pay a check cashing fee.

Privacy and Security

We use industry-recognized security technologies and advanced encryption to protect your personal information.

Automatic Repayment

If you allow your lender to debit payments via automatic transfers (known as "ACH transfers"), your loan payments will be automatically debited from your bank account. This means that every payment will be on time, and you won't have to worry about late payments or accruing late fees.

Late Payments

Late payment policies may vary from lender to lender. Please make sure you read and understand your loan agreement and your lender's late payment policy before accepting a loan. Some states may have legal limits on late fees. In other states, late payments may allow the lender to charge late fees and accelerate the loan, making it immediately due in full. NOTE: Before agreeing to a loan, make sure you can repay the loan in full and on time. We support responsible use of credit and recognize that no one knows your situation better than you.

Credit Extensions

State laws may limit or prohibit a lender from extending or "rolling over" your loan. Check with your lender if you need to extend your loan.

Loan Defaults

If you fail to make your loan payments on time, you may default on your loan. Late payments and loan defaults can negatively impact your credit score and make it more difficult to qualify for future loans.