How It Works

Requesting a loan is easy with consumertransferservice.com. Fill out one easy form on consumertransferservice.com and your inquiry will be submitted to our large network of lenders. Loan amounts range from $100 to $5,000 (exact amounts vary based on lender programs and your state of residence). You can have a response from one of our lenders the same day, and often within minutes. Once your loan is approved, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next day.

Most lenders have the following requirements to be approved:

To be accepted by most lenders in our network, you should:

  • Be employed at your present job for at least 90 days.
  • Be a US citizen or a permanent resident, and over the age of 18.
  • Have an income of around $1,000 per month after tax deductions.
  • Have a checking account in your name.
  • Provide a working telephone number for your home and work.
  • Provide a valid email address.

Quick Inquiry Process

Through our secure technology, we will find a lender in our network that is willing to take work with you based on the information you submit. Once we have a lender ready to work with you, that lender will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).

Cash Sent Directly to You

After your lender has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.

Private and Secure

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

Automated Repayment

If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.

Late Payments

Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.

NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of loans and recognize that nobody knows your situation better than you.

Loan Extensions

State law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.

Loan Default

If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future loans.

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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. consumertransferservice.com is not a financial services provider and does not make loan or credit decisions. consumertransferservice.com connects interested persons with a financial services provider from its network. consumertransferservice.com does not control and is not responsible for the actions or inactions of any financial services provider, is not an agent, representative or broker of any financial services provider, and does not endorse any financial services provider. consumertransferservice.com receives compensation from its financial services provider, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, consumertransferservice.coms service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law 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 you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any offer by any financial services provider, whether tribal or state-licensed, and to reject any particular offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a financial services provider in a particular state where such offers are prohibited, or in a location where consumertransferservice.com does not have an available financial services provider, you will not be connected to a financial services provider.

By submitting your information via this website, you are authorizing consumertransferservice.com and its financial services providers to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize consumertransferservice.com to share your information and credit history with a network of approved financial services providers.

Lender’s Disclosure of Terms.

The financial services provider you are connected to will provide documents that contain all fees and rate information pertaining to the offer, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the financial services provider based on the financial services provider’s internal policies, underwriting criteria and applicable law. consumertransferservice.com has no knowledge of or control over the loan terms offered by a financial services provider. You are urged to read and understand the terms of any loan offered by any financial services provider and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your financial services provider immediately and discuss how to handle late payments.