Frequently Asked Questions

Why Choose Realistic Loans?

We are one of the most respected and trusted financial services leaders with a reputation for finding lenders for almost any borrower. With our years of expertise and our array of lending partners, you only need to submit an online application to join the millions of other satisfied customers. We are confident that once you experience the service at our website, you will never go to another lending service.

Why Get a Short Term Loan?

A short term loan is an excellent financial solution if you have run into an emergency and need quick cash now. Our short term money can be as large as $2,500, and you can get instant approval. Because you will pay back in a short repayment period, you won’t have to worry about years of monthly payments. Such loans are also cheaper to borrow because the repayment period is so short.

Should I Get an Installment Loan?

If you are in a serious financial situation which can only be solved with a large sum of money, then you should consider an installment loan from us. With loans up to $35,000 in size, our installment lenders are the perfect solution for your immediate financial problems. We tailor our installment loans so that you can take years to repay them, making them easy to manage.

Do I Need Collateral to Get Money?

No. At our website, we work hard to help borrowers, even if they do not own a car or house to secure a loan. You don’t even need to have good credit to get a loan from one of our generous lenders. As long as you have steady employment, you are likely to qualify for one of our loans.

How Long Does It Take to Get Approved?

After you take a few minutes to fill out our simple online application and submit it, we will instantly and securely transmit your application to our lending partners. Our lenders will immediately process your application and decide if you are approved for a loan. Once you are approved, you will immediately be transferred to the lender’s website, where you will be presented with your loan options. This entire process may take a couple hours but is usually completed within a few minutes.

Is There a Fee for Applying?

No. We will never charge you for submitting an application. You can even submit a new application every time your financial situation changes without ever paying an application fee.

What Are the Minimum Qualifications for Loan Approval?

To qualify for a loan from Realistic Loans, you must possess these qualifications:

  • Be at least 18 years old
  • Be a U.S. citizen
  • Have been employed with your current employer for at least 90 days
  • Earn at least $1,000 a month

Some lenders may require additional qualifications for some loans.

What Can I Use the Money For?

Once you are approved and the loan agreement is finalized, you should receive your cash in just a few hours. That money is yours to use however you like. You can pay off debts, invest it or just have fun with it. Neither We nor our lending partners will ever ask you how you use your cash.

Do I Need Good Credit?

No. We specialize in finding lenders for borrowers with bad credit. In fact, many of our lenders do not even consider your credit score when they make their loan approval decision. If you are employed and make at least $1,000 a month, you probably qualify for a loan.

What Happens If I miss a Payment?

If you miss a payment on your loan, your lender may penalize you with a late fee, raised interest rate or other action. All of these possible actions will be listed in the loan documents that your lender will issue to you, so be sure to carefully read and understand all loan related documents.

How Does This Website Protect My Privacy?

We understand that you value your privacy, so we go to great lengths to ensure that your personal information is protected. We will only disclose your personal information to financial partners who require it to make a decision about a loan or financial product. If you feel that your personal information has been hacked, please contact us immediately so that we can take the necessary measures to further protect your privacy. We also check on the lenders credibility to ensure that every individual gets the safest options from us .

What Happens If I am Not Approved?

If you are not approved , you may still qualify for one of our outstanding credit programs or other financial products. You may discuss your options with one of our customer relations managers at any time of day or night. If your financial situation changes, you can apply again with your updated information.