Get the Credit You Deserve!
LoansAtWork is a simple and responsible loan that makes credit work for you.
  • $500 to $5,000 loan
  • 6-24 month payment term
  • No credit check
  • No need for a bank account
  • Automated and fixed payments through payroll deduction
  • 24.61% average interest rate [23.75% to 29.75%]
  • Information and tools to make smart financial decisions
LoansAtWork allows you to borrow more money at lower rates with faster repayment terms than other common options.

Clerk at City Hall
Borrowed $5,000 to replace her old car

Take Control of Your Money
Our step-by-step guide will provide you with a simple plan to take control of your money.

Getting started
To begin you will need:
  • Paystubs or income records
  • Checkbook or bank statement
  • Last month's bills and credit card statements
Tracking Expenses
Expenses can be separated into fixed and variable expenses.
  • Fixed expenses are typically the same amount paid on the same day each month, such as rent, auto or insurance payments.
  • Variable expenses include expenses you may have more control over, such as cable, food or cell phone.
Building a Budget
A budget gives you the ability to plan for future financial goals, lower your expenses and increase your savings. Start by completing the Spending Diary and the Debt Worksheet.

Other Resources
The FDIC's Money Smart program is a great resource for all types of financial education. Click here.

LoansAtWork also has partnered with the United Way of Miami-Dade and its Center for Financial Stability to offer you the opportunity to participate in their classes and programs.

Maintenance Department
Needed $5,000 to pay off high-cost loans

How It Works
How often do you get paid:
Every 2 Weeks
Twice a Month

How much do you need?













You'll pay
each pay period
for 6 months






How soon would you like to repay your loan?

*the amount shown above is an approximation of what your actual payment would be.

* Borrow up to $5,000

* Cash within 2 business days

* No credit check

* Easy on-line application

Our Process Is Simple, Secure and Paperless. Here’s How It Works:
  1. Apply On-Line
  2. You can apply on-line for a loan from LoansAtWork through our secure website. The process only takes a few minutes. During the application process we will verify your information and will not pull a traditional credit report. We will verify that you have been employed for at least one year with an employer who has an agreement with us, are not currently in bankruptcy, are at least 18 years of age, and have provided verifiable personal and employment information. We allow one loan per household, so we confirm this information too. We will show you the loan amounts and terms that you can afford based on a maximum payment of 20% of your net take home pay. You fill out a budget to make sure you are comfortable with the loan payments and confirm your choice of loan.

  3. Verification & Confirmation
  4. We will verify your personal and employment information electronically, or if needed, we will contact your employer for verification. You can view your loan documents and sign them on-line once the approval is complete, which should only take seconds.

  5. Cash in Hand
  6. Depending on your choice of funding, you can receive your cash in as little as 1 to 2 business days.*

  7. Repayment and Building Credit
  8. Based on your instruction provided in the promissory note, we will ask your employer to deduct the loan payments from each paycheck and forward the payments to us. Payroll deductions are convenient, free, and make sure that your payments are made on time. We will report all payment history to credit bureaus which can help you build credit or improve your score.
*Other terms and conditions may apply. Not all applicants will qualify for a loan.
Easy and confidential on-line enrollment.

What is BMG Money’s fax number?

BMG Money’s secure, dedicated fax number is 305.675.2962.

How do I apply?

It is simple to apply on-line. Create an account at to get started.

Is there a cost to apply?

It does not cost anything to apply for a loan.

How do I know that I am eligible?

If you have been employed for at least one year, are over 18 years of age, and are not in bankruptcy, you are eligible. Also your employer must have agreed to work with us to provide for payroll deductions.

How much can I afford?

Based on your salary and payroll deductions, the loan that you will be approved for will have payments of not more than 20% of your take home pay.

What does a conditional approval mean?

A loan is conditionally approved when additional verification of information is needed prior to providing a final approval. Final decisions are generally made within 24 hours or one business day of the conditional approval.

How soon can I get my money?

Your money is generally available 1-2 business days after you are approved, depending on your chosen funding method.

How do I get my money?

You can choose between direct deposit to your checking account or have a check mailed to you.

Do I need to get my spouse to sign anything?

No, your transaction is private and does not require another person.

Are there any hidden fees or costs?

No, your payment amounts are fixed for the life of your loan. The only fee is the $25 credit investigation fee charged at the beginning of the loan term.

What happens if I leave my current employer?

If you leave your employer for any reason, we will work with you to set up a payment plan outside of the workplace.

What happens if I need another loan?

If you qualify for a larger loan, you can pay off your old loan with the proceeds from a new loan. You can only have one loan outstanding at a time, and only one loan per household.

How do I know what my loan balance is?

You can go on-line to access your account information, send us an e-mail: or call customer service at 800.316.8507.

How can I find out when my last payment will be?

You can go on-line to access your account information, or call customer service at 800.316.8507.

What happens if I take a temporary leave without pay?

Your payments will be extended until the loan is paid in full.

Who can I call for help?

Call customer service at 800.316.3507 or send us an e-mail:

Can I go online to view my balance and payment activity?

Yes, just login using your username and password.

Does my employer know that I have taken out a loan?

Your human resources manager will have the information, but it will confidential along with your other benefits information.

Who is BMG Money?

BMG Money is a licensed consumer finance company based in Miami, Florida. Our primary product is called LoansAtWork. We are a responsible lender focused on providing credit to employees, as we believe if you have a stable job, you should have access to credit.
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