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Small Loans

When an unexpected expense comes up, you may not need a large loan to cover it. A small loan can give you access to a limited amount of money for a short-term financial need, with the balance repaid through scheduled installments.

Loan Ridge offers small loans of up to $2,000 to eligible residents of Texas, Missouri and Utah. You can complete the application online, review the loan terms available to you, and decide whether the loan fits your needs before accepting it.

Services in Texas, Utah, and Missouri

How You Can Benefit From a Small Loan

A small loan can be useful when an expense falls outside your regular budget. Rather than borrowing more than you need, you can apply for an amount that fits the expense you are trying to manage.

Depending on your circumstances and the applicable requirements, a small loan may be used for expenses such as:

  • Unexpected household expenses
  • Utility or other bills
  • Auto repairs and maintenance
  • Emergency repairs
  • Medical expenses
  • Other short-term financial needs
small loans loanridge

Who Can Apply for a Small Loan?

Loan Ridge lends to residents of Texas, Missouri and Utah. You must meet the applicable eligibility, verification and underwriting requirements to qualify.

Your credit history is one part of the application process. Loan Ridge may use information from your credit report when determining creditworthiness, but the credit inquiries used during the application process are not reported as hard inquiries and therefore do not affect your FICO score.

Having less-than-perfect credit does not automatically mean you cannot apply. Approval, however, is never guaranteed, and the amount and terms available to you depend on your individual application.

small loans

Apply for a Loan Today

If you're looking for a quick and safe small loan, Loan Ridge is the right choice for you. With a simple and secure process, you can apply for your unsecured small loan in just three easy steps!

1Fill out the Loan Application
Easily Apply Online

Complete your application in just a few minutes. Once you're approved, we'll send you an email notification.

2Sign The Loan Contract
Sign Your Contract

Provide your digital signature with just one simple click of the mouse and send it back to us.

3Get Your Money Deposited Into Your Account
Get Your Small Loan

Once we receive your signed contract, our system will process the funds and deposit the money into your account.

Why Choose Us For Small Loans

Loans Applications are Approved
85% of Applications are Approved

We're proud to help our fellow consumers achieve their financial goals through simplified personal loans.

Get Money Straight to Your Bank Account
Get Money Deposited into Your Account

With our easy application process, the money will be deposited automatically into your bank account.

Improve Your Credit Score
Improve Your Credit

A small loan can have many benefits. For example, repaying your loans on time can boost 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.

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Customer Reviews

What our clients say.

EXCELLENT
★★★★★
Based on 540 reviews
Google
leonardo benavides 1 day 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 6 days ago
★★★★★

Sandra Newman was extremely helpful and provided answers quickly.

Daveon Jenkins 1 week ago
★★★★★

Sandra was a BIG help!!!! She made the whole process so smooth and easy!!!! 10/10 highly recommend!!!!

Bently Ralston 1 week ago
★★★★★

Fast! Easy! Super convenient! Thank you!!

Ju-Laun “Juice” Jackson 2 weeks 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 2 weeks 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 2 weeks ago
★★★★★

Everything was fast & easy! Erica was great and answered all my questions & concerns!

Dee Gunter 2 weeks ago
★★★★★

Very pleasant easy to speak with

Carmalie Sims 3 weeks ago
★★★★★

Very knowledgeable and courteous

Chad Meis 3 weeks ago
★★★★★

Sandra is awesome! A pleasure to speak with. Very knowledgeable, professional and a great attitude. Thank you, Sandra and Loan Ridge!!

Ray Rodriguez 4 weeks ago
★★★★★

Process was smooth and very communicative. Excellent service.

Patricia Bustamante 4 weeks ago
★★★★★

She is always willing to help and puts you first . She is very kind and I appreciate that very much

Maria Campos 1 month ago
★★★★★

She was awesome she helped me along the process

Gwendolyn Tolliver 1 month ago
★★★★★

My 5 stars is for the outstanding customer service and literally fast process Shout out to Karin!!

Lisa Brown 1 month ago
★★★★★

They are so easy to work with a respond promptly.

David Matthews 1 month 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 1 month ago
★★★★★

Erika was fabulous

Pamela jo yager 1 month ago
★★★★★

Erica was very professional and was very helpful

Richard Brenner 1 month ago
★★★★★

Quick and professional!

Dora Moncibais 1 month ago
★★★★★

Karin was awesome

vanessa delacruzbetancourt 1 month ago
★★★★★

Excellet good fast and resolved fast Erika best person recommend

Mike Lusby 1 month ago
★★★★★

Fast friendly service!

Amy Marie 1 month ago
★★★★★

This was an easy, quick and seamless process!

Beatrice Zepeda 1 month ago
★★★★★

Very great experience with Sandra thank u

See All Reviews
ABOUT US

Our Service Area in Texas

Serving Borrowers Across the Lone Star State Whether you are in the Panhandle, the Gulf Coast, or the DFW metroplex, Loan Ridge is your local credit access business. Our digital platform allows us to fund loans instantly throughout Texas, adhering to all OCCC regulations. We are proud to serve the entire state, with a strong presence in major hubs such as:

  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth
  • El Paso
  • Arlington
  • Corpus Christi
  • Plano
  • Lubbock
  • Laredo
  • Irving
  • Garland
  • Frisco
  • McKinney

Our Service Area in Utah

Financial Solutions for All of Utah Loan Ridge is committed to helping Utahns from Logan to St. George. As a state-licensed lender, we offer secure, transparent loans accessible from your computer or smartphone, no matter where you live. While we cover every corner of the Beehive State, we frequently serve customers in these key communities:

  • Salt Lake City
  • West Valley City
  • West Jordan
  • Provo
  • St. George
  • Orem
  • Sandy
  • Ogden
  • Layton
  • South Jordan
  • Lehi
  • Millcreek
  • Taylorsville
  • Herriman
  • Logan

Our Service Area in Missouri

Proudly Serving All of Missouri Loan Ridge provides accessible financial solutions to residents across the entire state of Missouri. From the busy streets of Kansas City to the quiet neighborhoods of the Ozarks, our fully online process means you can apply from anywhere. While we serve every zip code in the state, our most frequent borrowers come from Missouri’s largest communities, including:

  • Kansas City
  • St. Louis
  • Springfield
  • Columbia
  • Independence
  • Lee’s Summit
  • O’Fallon
  • St. Joseph
  • St. Charles
  • St. Peters
  • Blue Springs
  • Joplin
  • Florissant
  • Chesterfield
  • Wentzville

Contact Us

Money in your pocket when you need it. Apply for a small loan today!

    Please prove you are human by selecting the heart.

    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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