How does it work?

First of all you have to qualify by meeting our minimum criteria:

To apply for a loan with Yes Munee, you should meet this basic criteria:

  • Be at least 18 years old.
  • Be a U.S. citizen. A valid US citizen with either a valid driving license or Social Security Number
  • Have a valid checking account. Earn a minimum equivalent to a monthly salary of $1000
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief..

All good? Then read on to learn how our free, no obligation online installment loan service works.

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Submitting your loan application

Simply choose the size of the loan you require – your ‘loan amount’. Then choose how long you want to take to pay off your loan (between 3 and 50 months) – your ‘loan term’. This is the most important step, as you should consider your personal financial situation, in order to work out what you can afford to repay. Shorter repayment periods means that you will pay more each month, but also less in interest. Longer repayment periods will result in smaller monthly repayments, but more interest repaid.

Remember, applying with Yes Munee is 100% free, and you are under no obligation to commit. Our application form is carefully designed to be quick and simple, and guides you through the process in around 1-2 minutes. Simply complete our short form, and if you qualify for an installment loan from one of our lenders, you will be accepted, and we will provide you with a new destination web page. This will be your accepted lender, and you are then free to either complete your loan application directly, or if you are not happy, walk away.

Receiving your loan deposit

If you are happy with the terms on your lender’s website, and finalise your application with your e-signature, then you have successfully obtained a loan – congratulations! Your funds will be deposited straight in to your provided account. The lenders who we work with all try extremely hard to transfer the money required in as little as 15 minutes, but it can take longer, depending on any final checks and clearing times. It really is that simple!


In order to make your loan repayments, your lender will debit your account on the day that you agreed when you completed your loan application with them. Please make a note of this in advance, to help your budget. The amount they debit will include the loan principle, along with any interest and/ or fees which will have been highlighted in your loan agreement in advance.

"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

"Applying is quick and easy – I saw my loan offer in 3 minutes"
"Searching so many lenders with one application was so helpful"
"What a great free service – I got my money in hours!"

Personal loans from $250 - $5,000 between 3 and 60 months. Our comparison rates, which include possible lender fees, have a minimum rate of 3.95%, and a maximum rate of 35.99%. All associated fees and rates are based on your personal financial circumstances.

* Our comparison rate is based on a $2,000 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.

WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.

Lower rates

Rates up to 32.99% APR

Obtain a loan offer with a maximum 32.99% rate

Quick and easy

Quick and easy

Borrow $1,000 - $5,000

No prepayment penalty

Instant Decision

We will let you know if you’re approved in 60 seconds

Secure process

No History Needed

We help you find funding even with a bad credit history

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. 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.