Frequently Asked Questions

Our application process is completely online, which allows us to process loans faster and cash disbursed within minutes. You can apply in just 5 minutes with our 3-step application process:

Submit A Request

No paperwork is needed! We're completely only. Just share your basic details and get started.

Check The Offers

Once you find an offer that suits your desires, e-sign the deal and enjoy the money!

Receive Your Money

After loan approval, we'll send funds directly to your bank account within 10-15 minutes*.

Loan requirements depend upon your lender, but basic and common are:

• Receive a regular income from the USPS or the Federal government
• Be a US resident
• Be at least 18 years old or over
• Active checking account to receive funds

Our online loans are available for both USPS and Federal government employees, and you can apply 24/7, including weekends and all public holidays.

A rejection for a loan does not get reported to the credit bureaus.

Traditional banks require a high credit score, but our lenders are always ready to work with people with no, low, or bad credit scores. So, don't worry—if you have the ability to repay the loan on time, you may qualify for a loan with us.

USPS postal employees earn stable incomes, but they might have bad credit, which can result in loan declines from traditional borrowing options. On the other hand, we offer USPS postal loans with bad credit and no credit checks. However, it is important that you can afford the repayments on the due date.

In most cases, our lenders make their lending decisions based on a borrower's creditworthiness and skip credit checks. This means you can apply for loans for USPS employees with no credit check, but you have to pay higher rates and fees.

Yes, you can apply for a USPS loan even if you have bad credit. Our lenders usually consider an applicant's loan repayment ability rather than their past credit rating.

If you feel that you can't repay your loan on time, please contact your lender as soon as possible. Discuss your financial difficulties, and in most cases, lenders have a solution.

Yes, you can repay your loan early without any penalty fees or charges.

Yes, you can. If you fully repaid your previous loan, you can apply for a new loan anytime.

We're committed to your privacy and security, and that's why we employ high standards of securities like banks to ensure the safety of your financial and personal data. We promise not to sell your information to third parties.

No, we are an online service only to provide faster loans to USPS and Federal employees.