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Online Personal & Installment Loans

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.

Robert Wagner 2 months ago
★★★★★

Erika was fabulous

1Fill out the Loan Application
Fill Out Your Online Application

Fill out your quick 2-minute online application. Once approved, you’ll receive an email notification right away.

2Sign The Loan Contract
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!

3Get Your Money Deposited Into Your Account
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

Loans Applications are Approved
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
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
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.

Get approved for an unsecured Loan
Unsecured Loans

Unsecured loans of up to $2,000, with no car or home used as collateral.

Bad Credit Loans
Bad Credit Loans

Free yourself from bad credit. Apply for a bad credit loan today!

Fast Cash Loans
Cash Loans

Need cash fast? No problem. Just fill out your easy online application.

Installment Loans
Installment Loans

Repay in fixed monthly installments over a set term.

Personal Loans
Personal Loans

Personal loans when you need them most. Apply in just a few clicks.

No Credit Loans
No Credit Loans

Don't have credit yet, or new to the United States? See what a no credit check loan involves.

Loan Availability and State Requirements

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.

Contact Us Today

Money when you need it. Get in touch with our team today.

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