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By now you’ve explored many options and given much thought to the idea of taking a loan. Our best loan is given to a thoughtful, informed customer who is properly armed with all the facts, and has come to a decision with which they are completely comfortable.

The ResponsibleLoan.com short term loan product was built with the idea that a product can be successful in the marketplace with a balance of good customer service, affordable short term loans and cash advances while building a secure company for the future. Our mission is this - "Provide an affordable short term loan product that meets regulator expectations". We will disclose our Interest, Fees and policies before you ever provide us any information on a loan application.

We want to offer a loan which solves a problem without creating any additional problems. Therefore we take the time to get to know your financial situation to make you aware of the cost and fees associated with this type of loan. We review each application individually and if approved we send your funds out that night. We will provide a quality service and treat you with respect regardless of your past situations, and in return expect our loans to be paid back in a timely manner.

The ResponsibleLoan.com Process

1. Getting started – This will take about 10 minutes

It took a bit of time to arrive at the decision to take a loan. It’ll take just a few more to review the details of our short term loans. Before you apply for your loan, spend a minute reviewing a handful of facts about our loans and processes.

To qualify for a loan you must have the following requirements:

  1. Active checking account
  2. Direct Deposit
  3. At least 21 years of age.
  4. Income source greater than $2,000 per month which can be easily and immediately verified (Job, Social Security, Alimony, etc.)
2. Select the loan amount you need

The loan amount offered is based on your amount of income versus amount of debt, and current financial situation. All of our loans offer flexible re-payment options. Be sure to select a loan amount that will fit your monthly finances and will solve a financial problem, not create another one.

3. Complete our loan application

We will ask that you complete our online application, which takes about 10 minutes. Unfortunately, at this time we do not service all states.

4. Verify your email address

In compliance with the ESIGN act, you must verify that you can receive emails from us as part of the Consent to Electronic Disclosure notice. We will send you an email that you must verify before viewing your loan agreement.

5. Sign your Loan Agreement and legal disclosures

You must electronically sign the loan agreement that includes important sections such as the TILA (Truth in Lending Act). We also ask that you agree to any additional terms and conditions that are applicable for your state. Agreeing to these is a requirement to receiving your funds if approved.

6. Fax or email any requested documents

In some instances we may ask you to fax us a recent pay stub or bank statement to verify source of income.

7. Let’s talk about your application

If approved, it is a requirement that an agent speak to you prior to funding. This call is mandatory to receiving your funds and generally last about 10 minutes. During this call, we will:

  1. Discuss your current financial situation and determine if accepting this loan is the best financial option for you.
  2. Walk you through the various loan documents you signed electronically and make sure you fully understand them, answering questions along the way.
  3. A bank call (with you) may be needed to gather information on the status of your transaction account.
  4. We’ll offer you the right to stop the loan process should you think that is the best decision.
  5. We’ll discuss your APR and payment schedule.
  6. Finally, we get to know you. We find it very important to know each and everyone of our customers and their financial situations.
8. We make arrangements to fund your loan

Loan funds are transmitted to ACH every banking day at 6:30 PM CT. Funds are typically available next business day.