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Unsecured Loans

Got unplanned expenses and need extra funds? Starting a business? Whatever your situation, we’re here to help with simple, unsecured loans that don’t rely on your credit history. Whether you have good credit, bad credit, or you don’t have any at all, you can still apply and get the support you need - quickly and easily - with Loan Ridge!

Services in Texas, Utah, and Missouri

What Is an Unsecured Loan?

With a secured loan, an asset such as a vehicle or property may be used as collateral. An unsecured loan does not require that type of collateral.

Because there is no vehicle or property securing the loan, the lender evaluates other information when determining whether an applicant qualifies. Credit history may be reviewed together with income, debt, identity and other underwriting information. Approval is not guaranteed.

An unsecured loan is still a financial obligation. If you accept one, you are responsible for making the payments according to the terms of your loan agreement.

loan ridge unsecured loans

Why Get an Unsecured Loan

Since they require no collateral, unsecured loans depend on the creditworthiness of the borrower, which is why it can sometimes be difficult to qualify. However, private lenders such as Loan Ridge can help you qualify for an unsecured loan by taking more factors into account, such as your income, your overall debt, and more. Unlike other types of loans, such as a mortgage or an auto loan, unsecured loans can be used for a wide range of purposes:

  • To start your own business
  • To put a down payment on a new home
  • To lower credit card debt
  • To pay your tuition fees
  • Go on a vacation

Loan Ridge offers you the convenience of taking out an unsecured loan in a few easy steps. Our streamlined loan application process makes it easy for consumers to obtain an unsecured loan in a matter of hours.

unsecured loans

Apply for a Loan Today

If you're looking for an instant unsecured loan, then Loan Ridge is the right choice for you. No credit, bad credit, fair credit, it's all okay.

1Fill out the Loan Application
Fill Out Your Online Application

Fill out your online application in a couple of minutes. Once we approve it, you'll get an email notification.

2Sign The Loan Contract
Provide Us With a Digital Signature

When you receive your approval email, simply provide us with a digital signature, and you're ready to get your funds.

3Get Your Money Deposited Into Your Account
Get Funds Deposited Into Your Account

After we get the signed contract, our systems will automatically process the funds and send you a direct deposit.

Why Choose Us

Loans Applications are Approved
85% of Applications are Approved

We're dedicated to helping consumers achieve their financial goals and we're proud of our high approval rate.

Get Money Straight to Your Bank Account
Get Money Instantly in your Bank Account

Through our simplified application and approval process, you'll get your money directly deposited into your account.

Improve Your Credit Score
Improve Your Credit

Paying your loan installments can help you 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.

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Customer Reviews

Hear it from our clients.

EXCELLENT
★★★★★
Based on 547 reviews
Google
leonardo benavides 1 week 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 2 weeks ago
★★★★★

Sandra Newman was extremely helpful and provided answers quickly.

Daveon Jenkins 2 weeks ago
★★★★★

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

Bently Ralston 2 weeks ago
★★★★★

Fast! Easy! Super convenient! Thank you!!

Ju-Laun “Juice” Jackson 3 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 3 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 3 weeks ago
★★★★★

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

Dee Gunter 3 weeks ago
★★★★★

Very pleasant easy to speak with

Carmalie Sims 1 month ago
★★★★★

Very knowledgeable and courteous

Chad Meis 1 month ago
★★★★★

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

Ray Rodriguez 1 month ago
★★★★★

Process was smooth and very communicative. Excellent service.

Patricia Bustamante 1 month 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 2 months ago
★★★★★

Quick and professional!

Dora Moncibais 2 months ago
★★★★★

Karin was awesome

vanessa delacruzbetancourt 2 months ago
★★★★★

Excellet good fast and resolved fast Erika best person recommend

Mike Lusby 2 months ago
★★★★★

Fast friendly service!

Amy Marie 2 months ago
★★★★★

This was an easy, quick and seamless process!

Beatrice Zepeda 2 months 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

Unsecured loans as easy as 1,2,3. Get the money you need fast.

    Please prove you are human by selecting the truck.

    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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