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Frequently Asked Questions.

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Easy Online Unsecured Loans

Our mission is to help you achieve your goals through a streamlined process. Complete your loan application in a few minutes.

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Payments for Up to 12 Months

Pay off your loan in easy monthly installments for up to 12 months! Forget about crushing debt, unnecessary paperwork and collateral.

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Your Safety is Our Priority

We take your safety very seriously. When you apply for our unsecured loans, you can be sure that your data is safe and protected.

Answers to your questions

Who can apply for a loan?

To qualify for an instalment loan, you must:

  • Be at least 18 years old
  • Be a US citizen or a permanent resident
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through Loan Ridge have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Do I need to disclose what the money is used for?

That is your business, our goal is to provide you with the funds needed and it’s up to you how to use them.

Can I pay back my loan in full?

Yes, you can. There is no limits with us – you can make additional payments or pay back the loan in full. No extra fees will be applied.

How many times can I apply for a loan?

As long as you’re eligible, you can apply for a loan as many times as you’d like.

How long will it take for me to get approved?

In most cases, the actual approval takes no more than 5 minutes, unless more documents are required.

What is the difference between payday loans and Loan Ridge loans?

  • We provide long term installments loans, unlike payday loans that are very short term to be paid on your next pay day.
  • We are much cheaper than payday loans.
  • We are able to provide you with bigger loans, payday loans cannot.

Can I get a loan if I have declared bankruptcy?

You can still apply for a loan if you have declared bankruptcy as long as your bankruptcy status is discharged and not active. 

Why was my application declined?

If you were not approved for a loan, that means you may not meet some criteria. We also consider your income, the amount of debt you carry and how much credit you have access to.

How do installment loans affect credit?

At Loan Ridge, we only perform soft inquiries when reviewing loan applications. Otherwise known as a soft pull, this quick background check won’t appear on your credit history. As a result, applying for a Loan Ridge loan won’t affect your credit score. If your loan is in good standing it will actually improve your credit score.

Other Common Questions

How will I receive my money?

The money will be transferred directly to your bank account or through an e-Transfer.

How do I make payments?

Loan payments are made through a pre-authorized payment plan. Payments will be automatically withdrawn from your bank account each time a payment is due.

Can I pay off my loan earlier?

Absolutely. You can make payments earlier than your due date, or pay more during the set due date.

How secure is my profile?

All communication with us is private and confidential. We pay a lot of money for information systems that aim to protect your privacy.

Are there any additional fees for taking out a loan?

There are absolutely no additional or hidden fees other than the ones set in your loan agreement.

Do you accept joint applications?

We definitely accept joint applications.

Can I increase my current loan or get a second loan?

If your payments are up to date and in good standing you can definitely receive a loan increase or apply for another loan.

What happens if I don’t have enough money in my bank account when payment is due?

We know circumstances in life can always change. If you think you won’t be able to make a payment, please call us immediately at 1 (888) 431-0031 and we’ll work with you to find a solution.

Loans Services.

Our mission is to help Consumers achieve their financial goals through a streamlined, hassle free online application process.

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Unsecured Loans

Apply for an unsecured loan and get up to $2000 in just a few hours.

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Bad Credit Loans

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