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 * Loans for Retirees
   Loans for Retired Military Employees
   Loans for Retired Federal Employees
 * Employee Loans
 * Federal Employee Loans
 * Financial Wellness
   Financial Counseling Services
   CFPB – Credit Education Program
   Personal Finance Reads
 * For Employers
 * Apply Now
 * Log in
 * 


BETTER FINANCIAL SERVICES FOR EMPLOYEES & RETIREES

Emergency loans and free financial tools for happier, healthier and more
productive people.

You are more than your credit score
I’m an employee I’m retired I’m an employer
You are more than your credit score I’m an employee I’m retired I’m an employer



BMG MONEY IS THE BETTER LOAN SOLUTION FOR EMPLOYEES AND RETIREES WHO ARE WORKING
ON IMPROVING THEIR CREDIT SCORES.


 * BETTER LOAN OFFERS4
   
   Loans ranging from $500-$10,000 & terms from 6-36 months and rates from
   19.99%-35.99%


 * APPLY REGARDLESS OF CREDIT SCORE2
   
   You are more than your credit score


 * EASY APPLICATION
   
   Loan offers in minutes from any device


 * HIGHER ACCEPTANCE RATE9
   
   All credit scores are encouraged to apply.


 * INSTANT FUNDING AVAILABLE1
   
   Most borrowers get their loan proceeds deposited in their bank accounts
   instantly


HOW TO APPLY FOR A LOAN THROUGH BMG MONEY?


 1. SHARE YOUR EMPLOYMENT INFORMATION
    
    If you are retired, share your retirement status you still may be eligible.


 2. APPLY ON-LINE
    
    Tell us about yourself and provide required documentation if needed.


 3. GET YOUR MONEY
    
    Sign your loan documents and get your money with same day funding available.
    1

Get Started

Apply regardless of your credit score


WE HELP EMPLOYEES AND RETIREES ACROSS THE UNITED STATES


SECURITY FOCUSED

At BMG Money, we make it our priority to protect your privacy and safeguard your
information.
 * - We protect accounts with multi-factor authentication, the use of firewalls
   and other safeguards.
 * - Our networks are monitored around the clock.




FREQUENTLY ASKED QUESTIONS




HOW DO I KNOW IF I AM ELIGIBLE?

If employed by an employer we work with, meet the employment requirements,
reside in a state we do business in, 18 years or older, not active in the
military and do not have an open bankruptcy, you may be eligible to apply. Other
credit criteria may also apply. Approval is not guaranteed.


WHEN WILL I RECEIVE MY MONEY?

Your money is generally available 1-2 business days after you are approved,
depending on your chosen funding method.
Read more FAQs


CUSTOMER REVIEWS



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Call us 800.316.8507 customer.service@bmgmoney.com
444 Brickell Avenue Suite 250
Miami, FL 33131
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1 Instant Funding available within minutes of approval if you provide a valid
debit card where your primary income is generally deposited in the bank account
linked to this debit card. Same day ACH funding is available for applications
approved and signed before 12:00 p.m. ET Monday - Saturday (not including
federal holidays). For applications approved and signed by 4:30 p.m., funds are
generally deposited the next business day Monday - Saturday (not including
federal holidays, in which case funding will occur on the following business
day).

2 Your FICO Score will not be pulled for the processing of this loan
application; however, alternative credit scores are pulled and used in
determining creditworthiness. LoansAtWork does not require any sort of credit
score. Payment history is reported to all three major credit reporting agencies
and failure to make payments may affect your credit scores.

3 All loans marketed by BMG Money are made by WebBank, except, as of 12/08/2023
the loans made to residents of are made by BMG LoansAtWork, LLC.

4 Loans through BMG Money are provided at a significantly lower cost than most
payday loans. For example, a $2,000 loan with a one-time fee of $59 will be paid
through 87 installments over 40 months, will have an APR of 35.98% and the
approximate biweekly payment will be $40.00 with a total payback amount of
approximately $3,479.02 (assumes a loan execution date of 03/07/2024). In
contrast, according to the Consumer Financial Protection Bureau, “A typical
two-week payday loan with a $15 per $100 fee equates to an annual percentage
rate (APR) of almost 400%.” Source:
https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

5 The interest rate match policy applies only to loans intended to be repaid by
payroll allotment, to employees of the U.S. federal government (excluding
military service members).

6 Military Lending Act Disclosure: Due to rules and restrictions within the
Military Lending Act, this program is not available to active-duty service
members or their spouses.

7 California Residents: California Privacy Rights: Our CCPA Notice can be found
here: https://www.bmgmoney.com/california-consumer-privacy-notice/

8 Residents of Washington: BMG LoansAtWork, LLC holds Consumer Loan Company
License # CL1649032; NMLS Consumer Access webpage: www.nmlsconsumeraccess.org

9 From 01/01/2023 – 01/31/2024, 57.4% of all loan applications were approved
(only 42.6% of applications were declined). According to Market Watch, the
Federal reserve released figures in July, 2023 showing loan application
rejection rates among lenders averaged 56% among borrowers with credit scores of
680 or below. Source:
https://www.marketwatch.com/story/loan-rejection-rates-are-climbing-especially-for-people-under-a-680-credit-score-565cc468

10 The NEA Advantage Loan program is not available in Ohio, Indiana, Maine,
Nebraska, New York, Washington, West Virginia, New Hampshire, North Dakota,
Georgia, Nevada, Rhode Island, Connecticut, Massachusetts, Vermont, Wisconsin,
New Jersey.



Payment terms from 6 to 48 months
Annual Percentage Rate (APR) ranging from 19.99%-35.99%
Loans do not require repayment in full in 60 days or less from the loan issue
date
Copyright 2024 © BMG Money