Installment & Personal Loans up to $50,000

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Frequently Asked Questions (FAQ)

Where do I go to get answers about my existing loan?

WinterLoans is not a bank, financial institution, or lender. We do not make credit decisions or short term cash loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. WinterLoans works as a connection to a network of fast cash lenders. If you require details about your loan or have questions/concerns regarding your loan, please contact the lending partner directly. They will be able to assist you.

Do I qualify for a loan?

You can submit a request for a loan if you meet these basic criteria:

  • Receive regular scheduled income via employment or benefits such as SSI
  • Earn at least $800 a month
  • Have a checking account
  • Are 18 years of age or older
  • A permanent resident of the US

Note that other requirements may apply depending on the fast cash lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for quick cash loans.

What is a Personal Loan and what can I use it for?

People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lending partners can help you get the money you need! One you fill out our loan request form online, if approved, in most cases the lender can deposit the funds to your bank account as soon as next business day.

How fast can I get the money?

While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get money until next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lending partners in our network, you can receive the money for your emergency in as little as 1 business day and resolve your short term cash problem in no time!

How do you protect my privacy and personal information?

In transmitting your private information to our lending partner network we ensure your information is safe and secure. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at WinterLoans.

Do I have to go into a store or wait in line?

Entering your information on WinterLoans is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire loan request process without going into a store and waiting in embarrassing lines. The process is easy and private.

Are there any fees?

WinterLoans does not charge the consumers any fees and there is no fee to apply online. If approved for a loan, the lending partner will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. WinterLoans is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lending partner, it is an offer, not an obligation.

Can I apply by phone?

If you want to submit your loan request over phone you can call us at: 888-718-9134