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
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:Tracking Expenses
- Paystubs or income records
- Checkbook or bank statement
- Last month's bills and credit card statements
Expenses can be separated into fixed and variable expenses.Building a Budget
- 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.
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.
How It Works
How often do you get paid:
How much do you need?
You'll pay $76 each pay period for 6 months
Our Process Is Simple, Secure and Paperless. Here’s How It Works:
- Apply On-Line
- Verification & Confirmation
- Cash in Hand
- Repayment and Building Credit
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.
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.
Depending on your choice of funding, you can receive your cash in as little as 1 to 2 business days.*
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.