Loan Ridge offers personal and installment loans of up to $2,000 to residents of Texas, Missouri and Utah. We lend directly in Missouri and Utah, and in Texas we operate as a licensed Credit Access Business. We have been lending since 2012 from Buffalo, New York. Approval is not guaranteed and depends on our underwriting criteria.
Rates, fees and terms vary by loan and by state and are disclosed in writing before you accept anything. You can check our state licenses on the verify Loan Ridge page, or read how the process works step by step on How It Works.
Applying does NOT affect your FICO® credit score!
Customer Reviews
What our clients say about us
EXCELLENT
★★★★★
Based on 565 reviews
Google
Sabrina Mosley 1 day ago
★★★★★
It was fast and easy
Jennifer Sampson 3 days ago
★★★★★
I cannot say enough good things about Loan Ridge! From my experience, they have been absolutely wonderful to work with. They are super sweet, understanding, professional, and genuinely willing to work with you. It is such a relief to deal with a company that treats you like a person instead of just another account number.
One of the things I appreciate most about Loan Ridge is how easy and convenient they make everything. If I ever need to skip a payment or have a question about my account, I can simply send them an email. They are very accommodating and make the process so easy without having to spend time sitting on the phone or dealing with a complicated process. Being able to handle everything through email is a huge plus for me!
I also appreciate that after making several on-time payments, I can reach out to ask about borrowing a little more money. They are easy to communicate with, and I love being able to email them and discuss my needs. Having a company that is willing to listen, communicate, and work with its customers makes such a difference.
Life happens, and sometimes unexpected expenses come up. It means a lot to have a company that understands that things are not always perfect and is willing to work with you when you need a little flexibility. I truly appreciate the kindness and consideration they have shown me.
Customer service can make or break a business, and Loan Ridge has made my experience a positive one. They are friendly, responsive, helpful, and easy to work with. I never feel like I am being treated poorly for asking a question or explaining my situation. That kind of customer service is hard to find these days!
If you are looking for a loan company that is easy to communicate with and has a team that treats you with kindness and respect, I would definitely recommend giving Loan Ridge a look. I am grateful for how they have worked with me, and I hope they continue providing the same wonderful customer service to others.
Thank you, Loan Ridge, for being so sweet, understanding, and accommodating. You have definitely earned my five-star review!
Alex Ramos 1 week ago
★★★★★
Very polite and respectful and helpful!!
Chris Salazar 1 week ago
★★★★★
Very helpful
Crystal Jones 2 weeks ago
★★★★★
Erica was amazing and had the upmost hospitality and she made this experience smooth sailing
Marcus Grisby 2 weeks ago
★★★★★
I was really searching for a little help and Karin from ridge helped me when I needed it! Thanks karin!
Susan Freeman 2 weeks ago
★★★★★
Very responsive to questions
leonardo benavides 3 weeks ago
★★★★★
I was having trouble with the app but once I called the number Erica was there to help, she made it easy to get the app done and money was in my account fast....
undria ned 4 weeks ago
★★★★★
Sandra Newman was extremely helpful and provided answers quickly.
Daveon Jenkins 1 month ago
★★★★★
Sandra was a BIG help!!!! She made the whole process so smooth and easy!!!! 10/10 highly recommend!!!!
Bently Ralston 1 month ago
★★★★★
Fast! Easy! Super convenient! Thank you!!
Ju-Laun “Juice” Jackson 1 month ago
★★★★★
It was a very quick easy process....got funded the same day. The representative that assisted me was very pleasant. ..her smile came through the phone. She explained everything to me very well.this was an enjoyable experience when you need emergency cash.
Robyn Thompson 1 month ago
★★★★★
I love working with Sandra. I don’t have to do much. She makes it easy to get the funds that I need when I’m in a bind .. thank you for all you all do. She’s a great Associate.
Estela Rodriguez 1 month ago
★★★★★
Everything was fast & easy! Erica was great and answered all my questions & concerns!
Dee Gunter 1 month ago
★★★★★
Very pleasant easy to speak with
Carmalie Sims 2 months ago
★★★★★
Very knowledgeable and courteous
Chad Meis 2 months ago
★★★★★
Sandra is awesome! A pleasure to speak with. Very knowledgeable, professional and a great attitude. Thank you, Sandra and Loan Ridge!!
Ray Rodriguez 2 months ago
★★★★★
Process was smooth and very communicative. Excellent service.
Patricia Bustamante 2 months ago
★★★★★
She is always willing to help and puts you first . She is very kind and I appreciate that very much
Maria Campos 2 months ago
★★★★★
She was awesome she helped me along the process
Gwendolyn Tolliver 2 months ago
★★★★★
My 5 stars is for the outstanding customer service and literally fast process Shout out to Karin!!
Lisa Brown 2 months ago
★★★★★
They are so easy to work with a respond promptly.
David Matthews 2 months ago
★★★★★
Sandra Newman was wonderful. Nicest ladies I have EVER meet working a customer service number. over all experience was very fast and the instant funding really helps. YES!! INSTANT FUNDING. Not like most companies that say that and you wait a day This company had it in 5 mins. They have a new customer now. And people like Sandra will make me continue to come back.
Fill out your quick 2-minute online application. Once approved, you’ll receive an email notification right away.
2
Sign The Contract With One Simple Click
Once you get your approval email, just sign your contract with a quick click - and you’re all set!
3
Funds Deposited Directly Into Your Bank Account
Once your contract is signed, the funds will be deposited directly into your bank account within the next business day.
Personal Loans When You Need Them Most
Understand the Full Cost of Your Loan
The amount you borrow is only part of what you need to consider. Before accepting a loan from Loan Ridge, review the APR, applicable fees, payment amount, payment frequency, and total amount you'll repay over the life of the loan.
Your loan agreement explains these terms, so you can see how much borrowing will cost and when payments are due. Compare the repayment schedule with your regular expenses to determine whether the payments fit your budget.
Loan Ridge's rates, fees, and terms vary by state and loan offer. Review the written disclosures before signing, and don't accept an offer until you understand your repayment obligations.
Why Choose Loan Ridge When You Need a Loan
85% of Applications are Approved
We're committed to helping customers reach their financial goals and take pride in our high approval rate.
Get Money Straight to Your Bank Account Once Approved
Through our simplified loan application and approval process, our clients will get their funds deposited straight into their accounts.
Improve Your Credit Score
By paying off your personal loan in regular installments, you can build and improve your credit score.
Our Loan Services
Our mission is to help consumers achieve financial stability by providing easy installment loans with affordable payment plans.
Unsecured Loans
Unsecured loans of up to $2,000, with no car or home used as collateral.
Bad Credit Loans
Free yourself from bad credit. Apply for a bad credit loan today!
Cash Loans
Need cash fast? No problem. Just fill out your easy online application.
Installment Loans
Repay in fixed monthly installments over a set term.
Personal Loans
Personal loans when you need them most. Apply in just a few clicks.
No Credit Loans
Don't have credit yet, or new to the United States? See what a no credit check loan involves.
Loan Ridge serves eligible residents of Texas, Missouri, and Utah. However, its lending arrangement isn't the same in every state, so it's important to understand which company role applies to your loan.
Texas: Loan Ridge operates as a licensed Credit Access Business (CAB), helping connect borrowers with third-party lenders.
Missouri: Loan Ridge lends directly to borrowers.
Utah: Loan Ridge lends directly to borrowers.
Each state has its own consumer lending requirements. Before applying, review the information for your state, including the applicable licensing details and loan disclosures. You can also verify licensing information through the relevant state regulator or NMLS Consumer Access.
Money when you need it. Get in touch with our team today.
Loan amounts up to $2,000. Rates, fees and terms vary by lender and by state, and are disclosed to you in writing before you accept any loan. Loan Ridge does not guarantee approval. Loan Ridge lends only to residents of Texas, Missouri and Utah.
The use of loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited for delivery for the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.
Loan Ridge may use credit report information provided as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your credit report and therefore they will not affect your FICO score.
Loan Ridge reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.
USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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