We say yes when banks say no

Loans between $250 and $50,000 spread from 3 to 60 months with a decision in 60 seconds*

No up front costs or fees

*Average time per customer (Checking your rate won’t affect your credit score)
Quick and Easy

Quick and Easy Application

One refreshingly simple, no obligation process. Get the cash you need up front, and repay over several repayments, to suit your finances. Pay the balance at any time, with no penalties or fees.

Secure process

All Credit Histories Welcome

Where banks may say no, we have built a close relationship with many lenders. Our lenders specialise in helping those with less than perfect credit backgrounds obtain loans. Our lending panel says yes.

Instant Lender Decision

We will let you know if you’re approved in 60 seconds*. Please sit tight - our system is designed to find a loan from our panel of lenders as quickly as possible. We are always working hard behind the scenes!

We connect you to over 100 lenders within our network via one simple form - giving you the very best chance of being accepted

At a glance

A personal loan in minutes

Who likes waiting? We make applying for a personal loan fast, easy, and surprisingly pain-free.

  • Personal loan offer from $250 to $50,000 with flexible repayment lengths
  • Quick payment straight in to your bank directly from the lender
  • Rebuild your credit with positive credit references by our lenders
  • We work with responsible lenders regulated by state and federal law
  • 2048 bit highest encryption technology as standard - data is secure
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Everything you should know

Potential implications

When applying for an installment loan, it is essential that you fully understand the possible implications, should you not adhere to the terms of your loan. Below we list these implications, and want to make it clear that you must take time to understand the terms and conditions of any loan offered to you before proceeding.

Late, or non-payment

Upon finalizing your installment loan application, once you are happy with the terms and conditions, you are agreeing to repay the loan, along with associated interest, in the timeframe referenced in the loan agreement. It is usual that should you fail to make a payment, or if a payment is late, lenders will add charges to your account.

YesMunee.com, as an installment loan broker has no authority to know, or even estimate what late payment charges will amount to. YesMunee.com also does not have any control or knowledge of your private loan agreement. This is a confidential relationship between the lender and the borrower, but should always be fair and reasonable.

Therefore, we encourage all users of YesMunee.com’s free to use, no obligation loan broker system to carefully analyze the section of your lender’s terms that refers to late, partial, or non-payment policies. YesMunee.com strive to work with the best lenders in the market, and use a personal approach to ensuring our panel of lenders are both trustworthy and reputable.

Impact on Credit Score

It is possible that a lender will run a credit check on you, in order to establish your ‘credit worthiness’. This essentially is how likely they feel you are to successfully repay your loan. Upon submitting a no obligation application with YesMunee.com, you are agreeing that this may happen, and that you permit the lenders in our panel to verify your personal details, and run a credit check. You must also understand that a missing payment, or even late payment, could negatively impact your credit score, as lenders are dutybound to list your credit payment history on your credit file.

Collection Practices

YesMunee.com is an installment loan broker, and not a lender. As such, we can have no input or knowledge of an individual lender’s debt collection process. Your lender will always list their debt collection policy in their full terms and conditions. This will form your overall loan agreement, which is essential that you are happy with before finalizing your loan application. We try hard to work with only lenders that have a fair and reasonable collection practice, but if you feel this is not the case at any point in your loan period, please feedback to us using our contact page, and we will investigate.


Credit Check Disclosure

YesMunee does not make any credit decisions. The lenders we work with may perform credit checks so that they can determine your credit worthiness, credit capacity, or credit standing. Such credit checks may be undertaken by these credit reporting bureaus: Equifax, Trans Union, Experian. By submitting your application with YesMunee, you agree to allowing our lenders to verify your personal information, and checking your credit rating. Please be conscious of the fact that if you miss a payment, or make a late payment, this can have a negative affect on your credit score.

Lender Network Disclosure

YesMunee is a 100% free, and no obligation loan brokering service. We connect consumers who want to borrow money, with a large panel of lenders who could be willing to lend to them. We are not a lender ourselves, and we do not provide funds, have any influence in any loan approval, or make any lending decision. Every lender in our network has different and unique criteria for offering a personal loan, and each has different terms and conditions, including fees and rates. When we present you with a lender’s offer, that lender is providing you with a no obligation loan proposition. You should read their proposition and associated terms carefully before finalising your application with the lender. YesMunee’s bespoke financial technology allows our customers to reach a large network of lenders who fit your personal borrowing requirements via one fast, simple search.

State Availability Disclosure

Not all lenders in our network operate in all US states. Due to different state legislation, residents in some states may not be eligible for a personal loan product.

Truth in Lending Policy

We only work with lenders who strictly adhere to the Truth in Lending Act. Our lenders will always provide transparent loan offers as best practise, and as required by federal law.

It is essential that you fully read all terms and conditions provided by your lender, including any paperwork that you may receive. Be sure to understand the total cost of your loan, and your offered APR and charges. Remember, you are under no obligation to commit to any loan offer that we find for you, and you should only proceed if you are completely happy.

Our application and decision process

Simply click "REQUEST FUNDS" anywhere on our site, and you will be taken to a short application form. Please enter all information carefully, as this will affect our lenders's decision to lend. Upon submission, we will contact our carefully selected panel of lenders behind the scenes, to find a member to accept you as their customer. This process takes on average 3 minutes to complete, so whilst it may look like we're stuck, please be patient to allow our search to successfully complete - we will get there!

What happens if we don't find a lender?

We are constantly working to grow our panel of lenders, to give you the very best chance of being accepted. However there are times when none of our lenders accept an application, though this is rare. Usually if this happens, we will present you with a credit report offer, which is designed to help you take control of what may be preventing you from obtaining a loan. We may also present you with alternative lending products that may be of interest, but don't worry, if you're not interested, please just walk away - we tried our best!

Once accepted, review the loan offer

If one of the members of our lending panel accept your application - congratulations - we will redirect your application straight to their offer. You will then complete the remaining few pieces of information required on the lender's website. We have designed our system to be as efficient as possible, and therefore we don't ask for any card details, that may be required by a lender for repayment. Please remember, there is no obligation for you to commit to any loan offer we find you from one of our lenders.

If everything looks good, accept and get funded

If you're pleased with the loan terms you're shown on the lender's website, then simply finalised all steps on their page, to get funded. Please be careful to check the lender's terms and conditions, including repayment terms, late payment charges, and so on, before committing. Most lenders that we work with can fund you either the same day, or the next day. The funds will be deposited straight in to the bank account you provide to us, so sit back, and let us do the hard work.

Compare our loan service

Direct lenders
Multiple lenders compete to get you the best rate
Protect your FICO score with just one search
Get actual rates, not estimated ones
Borrow for any reason
Flexible repayment plans
Connect to over 100 lenders with one click

We provide a fast, convenient, and free way of finding a loan to suit your needs

Got any questions? We have the answers!

How do I apply for a loan?

Applying for a loan couldn't be easier with YesMunee. Our entire process is 100% online, and uses one quick to complete simple application form that talks directly with over 100 lenders in just a couple of minutes. Simply click on any "REQUEST FUNDS" button on our site, and complete the form in no time.

If we manage to find you a lender from our panel that accepts your application, we'll redirect your browser straight to their personalised offer page. At this point, you have not committed to anything, so don't worry if you don't like the terms - you can walk away at any point up to accepting the lender's offer.

To qualify for applying for a loan through YesMunee is very simple. You must:

  • Be 18 years old or more.
  • Be a U.S. citizen. To apply you must hold either a valid Social Security Number or driving license
  • Have a valid checking account. Receive a minimum of $1000 on a monthly basis
  • Not currently be a debtor in a bankruptcy case
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Do you pay the loans?

We are a credit broker, and not a direct lender, and as such do not provide loans directly. We are here to make it easy to apply with over 100 lenders in just one simple application, for free. We constantly work tirelessly to both grow our lending panel, and improve our systems. Our goal is to be the go-to place for finding a loan, and the provide the best user experience possible.

Can I still apply if I have a bad credit history?

Yes, absolutely! In actual fact, we aim to work with lenders that specialise in offering bad credit loans. This is because we know it can be hard to find a loan when we have a less than perfect credit background. There are risks associated with lenders providing bad credit loans. This can result in a higher APR than normal, so we do suggest you weigh up the pros and cons of finding a bad credit loan.

Do you charge a fee?

No, never. Our loan service is 100% FREE, and will stay that way. There is no obligation to commit to any loan offer we find you, so our service really is no risk to our customers. We are able to invest in building our network of lenders and systems by receiving a small commission from our lenders for the introduction to our customers. This in no way affects the loan offer provided to you, and associated APR.

Why do you take my bank details?

Our application is designed to be as simple as possible. Any information we take is because our lenders need it to assess your application. The bank details are simply so that we can tell your lender where to transfer the funds. It is part of our commitment to our lenders to provide them with a ready to go customer. We use 2048 bit security as standard, so your data is safe.

"I applied for a loan of $2000, and had an offer in front of me in just a couple of minutes. Super simple!"

- Jane Williams

APR Disclosure and Examples

YesMunee is not a direct lender. Therefore we have no control over the APR our panel of lenders offer. However we want our customers to have a good idea of what qualifying customers may be offered - a range of 4.95% to 35.95%. Repayment terms range from periods of 61 days. The loan amount, APR and repayment term any lender may offer you will vary depending on your credit rating, state, and lender criteria. This is something out of our control, and why we always suggest you read the lender's terms and conditions carefully.

State declaration: loan services and lenders may not be available to residents of certain States - this is largely down to State legislation.

APR Examples

Loan Amount Interest Rate Loan Term Fee Fee Cost Repayment APR Total Repayments Total Cost
$1,000 24.00% 12 months 3.00% $30.00 $94.56 29.82% $1,134.72 $164.72
$2,000 19.00% 24 months 5.00% $100.00 $100.82 24.12% $2,419.68 $519.68
$5,000 13.00% 48 months 8.00% $400.00 $131.67 18.23% $6,320.12 $1720.12
$10,000 7.90% 60 months 10.00% $1000.00 $202.28 9.20% $12,136.80 $3,136.80

Representative Example for Qualified Customers

If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.

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Disclaimer: This service is FREE to users through YesMunee. YesMunee does not lend to users. Based on the information provided by users, YesMunee searches its database of lenders it works with to connect consumers with the lender and loan best suited to their wishes. Not all lenders can provide up to $5,000. Consumers, who qualify with a lender, can be offered loans with APRs below 36% and have payment terms ranging from 61 days to 60 months, or more.

Cash transfer times may vary between lenders and may depend on your individual financial institution. For details, questions or concerns regarding your loan, please contact your lender directly. All terms, including fees and rate, must be revealed to consumers by their lender once they have been approved. Once you have submitted your registration form, you will be sent to an e-signature page made available to you by the lender to which you were connected. Along with the e-signature field, the page will include information pertaining to the fees and rate of your specific loan. Borrowers are required to review the fee and rate material made available by their lender thoroughly and in its entirety before agreeing to the loan. Users are not obligated to accept the loan. If the consumer determines that the terms of the loan are agreeable wants to continue with the loan process, the consumer may fill out the e-signature page. After this is one, the consumer has entered into a legally binding contract with the lender and not YesMunee and must assume all the costs detailed in the contract. The lender determines all fees and rates based on the information provided in the registration form. YesMunee.com is not involved in determining these fees and rates.

Upon acceptance of the loan offer and entry into an agreement with the lender, the lender will aim to transfer the cash within 24 hours. Clearance of the funds is dependent on whether your bank accepts faster payments

If your loan is approved, funds may be cleared and in your account within the hour if you apply before 3pm, Monday to Friday. If you apply after 3pm, then this will be the next working day.