How It Works

By working with a network of lenders and advertisers across the nation, we connect customers to the funds they need in minutes.


Request Funds

Submit your funding request from anywhere with any device.


Get Your Results

If connected to a lender, a decision can occur within minutes of your information being submitted.


Start Spending

If approved, receive funding in as little as one business day.*


Understanding personal loans

Fast, easy, and secure online form

CreditArm’s loan request form is easy to complete and takes less than five minutes. We will only ask you for the information that is necessary for the lender to consider you for the loan. After you submit your information, we will share it with our network of participating lenders and advertisers. Personal loan lenders can offer you up to $50,000 as soon as the next business day, often without requiring you to fax a single document. We use 256-bit SSL/TLS technology to encrypt your data, providing you with a secure connection as you navigate through our website.

Personal loan offers with no obligation

Minutes after you submit your information, you can be connected with a lender. You will be able to review the terms and conditions before you accept. If you do not like an offer, you are under no obligation to accept it - simply decline and re-submit your information to be qualified for another offer.

Receive your funds

Once you have chosen the personal loan offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. In general, loan underwriting can take up to 24 hours (depending on the lender and the information you provided), and the money is deposited into your bank account as soon as the next business day.


Before you request a loan on, it is important to ensure that you will have the funds available to repay the loan in the specified time frame. In most cases, the amount borrowed, plus any applicable fees and interest, will be withdrawn from your bank account on a predetermined date. If for any reason, you are unable to repay your loan on your due date, you can contact your lender to ask about extensions. Make sure you do so before the due date. Any adjustments made to your current loan conditions will include additional charges. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of major credit bureaus, which could negatively affect your rating. encourages consumers with credit problems to consult a credit counselor.

Get more information by checking your rate on


Do I qualify for a personal loan?

The lenders who participate in our referral service will have their own criteria to determine whether an applicant is eligible for a loan, but there are general requirements borrowers must meet to qualify. You must:

  • Be 18 years or older.
  • Have a valid Social Security number.
  • Be a U.S. citizen or permanent resident.
  • Have a steady source of income.
  • Have a valid bank account for deposits and repayment.
  • Have a valid telephone number and email address.
  • Meet minimum income requirements.

If you have any general questions, feel free to
call us (360) 605-1215 or send us an e-mail.

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