We know how difficult it can be to make ends meet, especially when faced with an unexpected crisis. We make the loan process as easy as possible. And although we do review your credit profile, there is no minimum FICO requirement. In addition, there are absolutely ZERO application or closing costs!

Our goal is to help families address their financial needs without having to turn to predatory lenders, who can charge over 300% interest rate in some states.

You can use an Impact Loan for a variety of purposes, including paying rent or security deposits, auto repairs, covering the cost of utilities, medical expenses, technology purchases (laptop, tablet, etc.) and more.

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WHAT DO I NEED TO APPLY FOR A LOAN?

You must:

• Have a bank account or an approved pre-paid card
• Reside in Rhode Island, Florida, Delaware, Illinois, Texas, New Jersey, Connecticut, or Texas
• Have an income

We will need the following documents after you submit your application:

• Two months of banking history via our secure bank connection with our partner Plaid
• Copy of government-issued ID
• Voided check or prepaid card with ACH features
• We may ask for additional documents after you apply

We take your privacy seriously. All data is transferred securely and we will never sell or share your information. For more info, refer to our Privacy Policy.

Not sure if you qualify? Use our Eligibility Check!