Online Loan

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Online Loans

Online Loans provide the money you need with the convenience you expect from modern lending. No matter where you are, you can apply for a loan online 24/7 from your laptop, tablet, or mobile device. Best of all, thanks to our quick application process and instant approval decisions, you can get the money you need when you need it most.

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How do Online Loans work?

1

Start your
application

2

Get approved
within minutes.

3

Receive money
same day.*

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next business day.

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Types of Online Loans

Payday Loans

Payday Loans are short-term, small-dollar loans designed to bridge the gap between paydays. Also known as Cash Advances, these Online Loans allow you to borrow the money you need now for everyday or emergency expenses. You then repay the loan on your next pay date, usually within two to four weeks.

Installment Loans

With an Installment Loan, you borrow a lump sum amount and repay it over time in regular installments. Depending on your loan terms, these fixed monthly payments can range from several months to a few years.

Lines of Credit

Once you’re approved for a personal Line of Credit, you have instant access to money at a moment’s notice. As long as you have available funds in your credit line, you can withdraw money whenever you need it – without the need to reapply each time.

How to Apply for an Online Loan

First, make sure Online Loans are available in your state. If so, you can proceed with the steps below. Keep in mind, however, that the documentation needed to apply may vary by state and loan type.

  • Step 1: Choose your loan and select ‘Apply now.’
  • Step 2: Provide your personal contact information, including your email address and Social Security number.
  • Step 3: Provide your employment and income information.
  • Step 4: Provide your banking details, including your checking account number and your bank’s ABA routing number. Prepaid cards are not accepted.
  • Step 5: Review, sign, and submit your loan agreement.

Depending on the time your Online Loan is approved, your funds could be deposited in your checking account the same day.*

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What you'll need to apply

To apply, you'll need the following items:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number or ITIN (in store only)
  • Personal check required in some states

Each state has its own requirements, so the documents needed may vary.

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Proudly serving our customers

Advance Loan Payday Loan customer reviews

“I loved the customer service you guys provided me. That was very nice and patient with questions I had. I would really like definitely come back here”

Donny J. Griffin

Personal Loan

“I had a good experience with Insight Loan Services. I am thankful to insight for the help you guys gave me. My loan was easy and fast. thank you Insigtht”

Mary O. Randle

Education Loan

“We came out of their offices very happy with their service. They treated us very kind. Definite will come back. The waiting time was very appropriate.”

Lindo E. Olson

Car Loan

Rates & terms

Bumper Loan offers a variety of Online Loans, including Installment Loans and Lines of Credit. The rates and terms for each loan are based on state regulations. Finance charges also vary by state and loan term length.

Online Loan FAQs

Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.
Information about your credit is needed to get an Online Loan. As part of the online application process, Bumper Loan will receive information from third-party data providers, including information about your credit history, from various credit reporting agencies. This is considered a “soft credit check” and will not impact your FICO credit score.
You don’t need good credit to qualify for an Online Loan. When reviewing your application, Bumper Loan considers factors in addition to your credit, such as your income, employment status, and current debt.
Online Loans are safe as long as you work with a reputable lender. Before applying for any loan online, ensure the lender is well established, has mostly positive reviews, and uses a secure website. You can verify website security by looking for the padlock icon in the URL address bar. Bumper Loan has over 25+ years of experience and countless positive reviews on Google and Trustpilot. Any information you submit for your Online Loan is sent through our secure server and kept in an encrypted database. For more details, see our Privacy Policy.
Most people can complete their Online Loan application in just a few minutes. You can speed up the process by having your personal and financial information ready.
The amount of money you can receive from an Online Loan is regulated by state law and will depend on your income, employment status, and credit history. Enter your location to view loan amounts and fees in your state.
If your online application is approved before 10:30 AM ET (M-F), you will typically receive the funds in your bank account by 5 PM ET that day. Loans approved after 10:30 AM ET are usually funded the morning of the next banking day.
Past-due payments may impact your ability to take out future loans with Bumper Loan or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.
Your bank will receive an electronic request for the amount specified in your loan agreement. Payments are withdrawn via ACH (Automated Clearing House) or other electronic method on the payment date. Depending on your loan type, other repayment options may be available.
Online Loan payments are automatically withdrawn from your checking account on the due date. You can also make a payment by logging in to your online account
Due dates are set according to the type of loan, term length, and origination date, but they’re always outlined in your loan agreement. Remember to review your loan agreement carefully so you have clear expectations of when to make payments.
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Bumper Loans

Our goal at Bumper Loan is to provide access to personal loans and education loan, car loan, home loan at insight competitive interest

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