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. That includes borrowers with less-than-perfect credit. If you have no credit file at all, start with our no credit check loans guide. We have been lending since 2012 from Buffalo, New York. Applying takes a few minutes and does not affect your FICO score. 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.

Apply for a loan in minutes and get cash in your account fast. We can help with personal loans, unsecured loans, cash loans and more.

Applying does NOT affect your FICO® credit score!

Fill Out Your Online Application

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

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!

Get 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

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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.

Customer Reviews

What our clients say about us

ABOUT US

Resources

Latest tips on loans and smart money decisions.

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Are installment loans suitable for covering vehicle repairs?

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Contact Us Today

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

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.