How It Works

WeLoans makes it easy for you to apply for a loan online.

You can apply for up to $5,000 for payday loans, installment loans, title loans, and cash advances, and up to $35,000 for personal loans (typically, the amount you can borrow varies from the lender you choose and the state you live in).

Simply fill out and submit the online form on, and your information will be distributed to our network of lenders. They will send you their offers along with the interest rates and terms.

Then, compare the loan offers and choose the one that is most favorable for you. Once you have signed the loan agreement with the lender, the funds will be deposited into your account as soon as the next business day.

How to Qualify

There are some specific conditions that you should meet when requesting a loan with WeLoans:

  • Be at least 18 years old or older.
  • Be a citizen or a permanent resident of the United States with a valid ID.
  • Have an active bank account where your lender can transfer funds.
  • Have a stable and consistent source of income that can sustain the loan repayment.
  • Have an active phone number and an email address.

Quick Lender Approval

Once your loan application form is received, approval only takes minutes. Our partner lenders will make lending decisions as quickly as 5 minutes, and you will get offers from them.

Multiple Offers

WeLoans connects you with a wide range of lenders who offer responsible loans at a good value across the United States. You can compare multiple offers from our lenders with a single application.

Fast Funding

Our partner lenders provide fast fund transfers to cover your emergency, with cash deposited directly into your bank account in as little as 24 hour.

Security and Confidentiality

Besides adhering to all privacy regulations, we use the newest encryption technologies to keep your information secure and safe.

Credit Check

Regulations require all lenders to conduct credit checks on every loan application. However, most of our partner lenders only perform soft credit checks. A soft credit check allows our lender to check your financial history and credit reports without affecting your actual credit score.

Late Payment

It's important to make loan repayments on time. You may be charged a late payment fee if you fail to repay by the due date. Defaulting a loan will impact your credit negatively, and your debt could be turned over to a debt collector.

If you think you may miss a payment in the future, contact your lender to discuss potential solutions.