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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
How it Works:
Getting quick loans and borrowing money instantly at Easy US 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.
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 Easy US 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.
Be a Easy US 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.
Why Easy US 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.
you can trust you’re working with a company committed to the highest standards of conduct, dedicated to ensuring the best possible experience for their users, fully compliant with federal law, and working hard to protect consumers from fraud.
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Easy US 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!
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:
- Allows for larger potential credit limits than other types of short-term loans such as payday loans.
- Grants more time to pay down the loan.
- Every payment pays down part of the amount borrowed, so you are always paying down your quick loan with each and every payment.
- Always know how much you owe, how many payments are due, and how much each payment will cost.
A More Flexible Option: Easy US Loan Center Line of Credit
A line of credit is more flexible than online installment loans, payday loans, or title loans.
- Apply once, and use the funds when you need them.
- 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.
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.