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 * Loans
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 * Loans
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 * FAQ
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 * Loans
 * Our Services
   * Installment Loans
   * Line of Credit
 * Locations
 * About Us
   * Careers
   * Extra Mile
 * Contact
 * FAQ
 * Blog

 * 1-888-213-5744
 * questions@minuteloancenter.com


GET CASH IN MINUTES!

Apply for an online loan, get approved, and get a deposit in minutes!

APPLY NOW

Checking how much you qualify for
will NOT affect your credit score.*

See our rates & terms


GET CASH IN MINUTES!

Apply for an online loan, get approved, and get a deposit in minutes!

APPLY NOW

Checking how much you qualify for will NOT affect your credit score.*

See our rates & terms




VETTED BY EXPERTS. TRUSTED BY THOUSANDS.

We know how stressful money can be, and it’s hard to know who you can trust.
View our accreditations, read our FAQ’s, and learn more about us to put your
mind at ease.





WE CRAFT OUR LOANS AROUND YOU, NOT YOUR CREDIT SCORE.

Whether online, on the phone, or in-store*, we provide a seamless experience so
you can apply for a same-day loan, get approved, and get cash in minutes.

We’ve been a leader in solving short-term cash crunches for over 25 years. When
the majority of Americans don’t have $500 to cover an emergency³, we are here to
provide a better solution than payday loans

Apply Now!

How it Works:

Getting quick loans and borrowing money instantly at Minute Loan Center is fast
and stress-free, whether you apply online² or in-store. If your bank does not
accept the Minute Money transaction, we’ll provide a FREE ACH transfer¹.

h

FAST APPLICATION

Our easy form takes only a minute or two – no credit hit, no headaches.



QUICK APPROVAL

Receive your online loan approval in minutes.



INSTANT FUNDING

Same-day loans just got faster. Get your deposit in seconds.

²Online applications processed before 10:30 AM ET (Monday-Friday) may be
eligible for same-day funding to your bank account. Online applications
processed between 10:30 AM ET and 8:00 PM ET are typically funded the next
banking day, but exceptions may apply. If we are unable to verify your
application electronically, we may ask you to provide certain documents before
final approval.


GET STARTED!

Choose Minute Loan Center today and take control of your financial freedom! With
our high approval rate and easy applications, you’re just minutes away from
getting your online loan.

If you need help, please feel free to reach out for assistance. We’ve got your
back.

Apply For A Loan


BE A MINUTE LOAN CENTER VIP


WE BELIEVE YOU’RE MORE THAN YOUR CREDIT SCORE.

CLEAR RATES & FEES

Online loans don’t have to be predatory. Crystal clear with no hidden charges,
our mission is to make sure you are treated the way we would want to be treated.

24-HOUR NO-RISK GUARANTEE

Return your quick loan within 24 hours and you owe nothing.

BAD CREDIT, NO PROBLEM

Life happens. Don’t worry if your credit isn’t perfect, we’ll treat you with
respect and work hard to earn your business.

BANK-LEVEL SECURITY

More flexible than the bank and just as secure. Your privacy matters to us–our
bank-level security protocols make sure you’re protected at all times.
Apply Now!


WHY MINUTE LOAN CENTER?

We’ve been a leader in solving short-term cash crunches for over 25 years.

When the majority of Americans don’t have $500 to cover an emergency³, we are
there to provide a better solution than PayDay Loans.

We can service you, your way!

 



Whether online, on the phone or in-store*, we provide more easy ways to apply,
get funded and service your account. We are always innovating new ways to make
life easier for you.

*Retail locations with complete online servicing available in Delaware, Nevada
and Utah. Online servicing available in Mississippi, Missouri and South
Carolina, with our fully caffeinated service team available from 9 am EST to 10
pm EST Mon-Fri and 9 am to 8 pm EST on Saturday.

We are an active member of the OLA (Online Lenders Association). A trade
association that requires all members to maintain their code of conduct and best
practices. More info on OLA…

3) Picchi, Aimee. “A $500 Surprise Expense Would Put Most Americans into Debt.”
CBS News, CBS Interactive, 12 Jan.
2017, https://www.cbsnews.com/news/most-americans-cant-afford-a-500-emergency-expense/.

Apply Now


MINUTE LOAN CENTER VIPS CAN:

SAVE MORE

MLC Coupons give you access to thousands of offers from major merchants and
local stores, in-store and online.

EARN MORE

MLC Refer-A-Friend helps you earn money with your same-day loans by referring
friends and family.

GET MORE

Level Up Rewards allows you to earn points that you can redeem for a variety of
cool things.

BEST OF ALL, YOU DO NOT NEED TO REQUEST OR HAVE A LOAN IN ORDER TO HAVE ACCESS
TO THESE VIP SERVICES, JUST REGISTER ON OUR WEBSITE OR OUR APP TODAY!

Get Started!

Who We Serve


MOST AMERICANS NEED BETTER ACCESS TO CREDIT.

Whether You’re:

 * Fully Employed
 * In-between work
 * A business owner
 * Managing a monthly household budget


WE CAN HELP YOU GET $$$ IN MINUTES!

SEE OUR DIFFERENT TYPES OF LOANS


INSTALLMENT LOANS


AN INSTALLMENT LOAN:

 1. Allows for larger potential credit limits than other types of short-term
    loans such as payday loans.
 2. Grants more time to pay down the loan.
 3. Every payment pays down part of the amount borrowed, so you are always
    paying down your quick loan with each and every payment.
 4. Always know how much you owe, how many payments are due, and how much each
    payment will cost.

Explore our Installment Loans


A MORE FLEXIBLE OPTION: THE MINUTE LOAN CENTER LINE OF CREDIT

A line of credit is more flexible than online installment loans, payday loans,
or title loans.

 1. Apply once, and use the funds when you need them.
 2. Generally offers larger credit amounts and lower payments.

A line of credit lets you apply once and access as much of your credit limit as
you need, whenever you need it.

Currently available in Delaware & Utah.

Explore Our Line of Credit


HOW DO I CHOOSE?

If you are in a state with both products available, it’s natural to wonder: How
do I choose between an installment loan and a line of credit?


INSTALLMENT LOAN

 * 1) You have a short-term need for a quick loan.
 * 2) You know exactly how much you need to borrow.


LINE OF CREDIT

 * 1) You want to have access to funds, but do not know how much you need.
 * 2) You want the comfort of knowing you have access to funds for an emergency
   without needing to apply for a same-day loan each time.


WHAT ABOUT PAYDAY LOANS VS. ONLINE INSTALLMENT LOANS?

Payday loans can seem like a good option in a short-term cash crunch. But there
are alternatives.

When faced with a short-term emergency, many people turn to payday loans. Payday
loans, however, are generally limited to smaller amounts and must be paid off on
your next payday. If you cannot make the payment, many lenders have you pay the
fees on your loan and issue you a new one to pay the previous one, and so on. 

This creates two significant challenges:

 * 1) You may not be able to find a payday loan to borrow as much as you need.
 * 2) The balloon payments mean you can end up paying for a loan that you aren’t
   paying down.

Our online loans and Line of Credit services solve these problems by providing
more time to pay, options to borrow larger amounts, no balloon payments, and no
penalty for paying early.


HOW MUCH CAN I BORROW?

How much you can borrow with a same-day loan and how much it costs are
determined by factors including state regulation, your ability to pay, and other
underwriting features. For many, an installment loan provides a better credit
solution than a traditional payday loan.

Apply For a Loan

The Minute Blog 

Get the latest news, info and life hacks

LOANS

LINE OF CREDIT

INSTALLMENT LOANS

PERSONAL FINANCE


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LOAN PRODUCTS



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Line of Credit
Bad Credit OK Loans
Security Tips

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Utah Line of Credit
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NEED A LOAN FAST?  NO PROBLEM.

Get Started Online
1 Does not apply if customer information is not accurate or if there is a bank
error preventing the transfer. standard ACH fees may apply. Not all banks accept
Minute Money, if your bank does not, you will receive an ACH transfer which
could can fund as early as same day or the next business day.



The APR shown above is an estimate/example which is based on the terms displayed
and assumes adherence to scheduled payment(s). Actual APR may vary based on
various factors such as state, loan term, loan product type, additional fees
and/or other underwriting considerations including credit qualification on
certain products. For more details please contact a location nearest you or
utilize our live chat option.

When we extend credit, we provide a credit agreement and related disclosures
that contain important information about the cost and terms of credit. This
licensee cannot use the criminal process against a consumer to collect any
deferred deposit transaction. For example, our credit agreement and related
disclosures will disclose when payments are due, any fees due if a payment is
late or returned to us unpaid by your financial institution, and the finance
charges due for the extension of credit. Loans are not renewed automatically.
Whether you have the option of renewing a loan can vary based on factors such as
state law, our credit policies, and the type of credit you request. The fees we
may assess and other conditions that apply if you ask to renew a loan will be
described in the credit agreement and related disclosures. Click here for more
details about our consumer loan products and where they are available.
 
* Certain limitations apply. All loans subject to approval pursuant to Minute
Loan Center underwriting criteria. Minute Loan Center does not perform
traditional credit checks as part of its credit transaction approval process,
but does verify applicant information via national databases including, but not
limited to, Clarity Services Inc. Due to state and verification requirements,
not all applicants for on-line request may be eligible for on-line approval by
Minute Loan Center. Some customers applying for Minute Loan Center loans may be
required to submit additional documentation due to state law and qualification
criteria. See your local store for more details and additional disclosures or
visit the Products page for more details.
 
** Terms and conditions apply. In-store cash pickup not available in all states.
Checks or alternative funding options are available and may be issued instead of
cash. Loan funding requires verification of application information. Depending
on ability to verify this information, loan funding may be extended up to two
business days. Terms and actual APR may vary based on various factors such as
state, loan term, loan product type, additional fees and/or other underwriting
considerations including credit qualification on certain products.
 
Our efforts to collect past due accounts will be conducted in a professional and
fair manner that complies with applicable law. We may report information about
your account to credit bureaus. Late payments, missed payments, or other
defaults on your account may be reflected in your credit report. For customers
having difficulty repaying their loan, repayment plans may be available and vary
by state. For additional information, please contact your nearest store
location.
 
Personal loans should be used only for unexpected financial needs, not as a
long-term financial solution. Customers with credit difficulties should seek
credit counseling. Delaware Residents: Licensed by the Delaware State Bank
Commissioner to engage in business in Delaware. See licenses.
 
MLC OF UT, LLC is licensed as a supervised lender by South Carolina’s State
Board of Financial Institutions pursuant to the South Carolina Consumer
Protection Code, §37-3-101


 * Loans
 * Our Services
   * Installment Loans
   * Line of Credit
 * Locations
 * About Us
   * Careers
   * Extra Mile
 * Contact
 * FAQ
 * Blog

 * Loans
 * Our Services
   * Installment Loans
   * Line of Credit
 * Locations
 * About Us
   * Careers
   * Extra Mile
 * Contact
 * FAQ
 * Blog

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