What our loan costs depends on your application information, credit history and the loan amounts and terms offered in your state (see Rates and Fees for more information on the terms in your state). It’s important to remember that Loantopia may not be the cheapest credit option and may not be the best option for you. To understand how our rates compare to other options check out the Why Loantopia page.
* Other requirements may apply
No, you must pay off your current loan before applying for a new one.
For your convenience, we offer ACH debit payment option. If you choose to make payments using ACH debit, your payments will be electronically debited from your checking or saving account. Contact Customer Support if your prefer to make other payment arrangements.
Loantopia does not have any pre-payment penalties, so we encourage you to pay back your loan early and save on interest!
Yes. However, we are not looking for a perfect credit score to receive an installment loan. We do want to make sure that we are lending responsibly and protecting all parties involved from fraud on their Loantopia loan account.
We understand that bad things can happen to good people. Since some of our loans are based on your ability to pay back instead of your past credit, less than perfect credit will not prevent you from receiving an installment loan. Our friendly and knowledgeable loan staff will try and work with you, even if you have been turned down by other lenders.
If all information is received by 12:00 Noon Pacific Time and can be verified by 3:00 pm Pacific Time, you will generally receive your money the next business day. For security purposes, we must be able to contact you by telephone before your loan is funded.
Shortly after we have all necessary information, we will call you and/or send you an email advising if you are approved. You can also contact our customer service representatives regarding your loan application.
If for any reason you decide you do not want the loan, you can return the money that we loaned you and cancel the transaction within three (3) days. No questions asked and no fees. It is risk free.
Typically, the last four digits of your social security number is your password unless you have changed it (which we recommend). There is also a ‘forgot password” link on our login page that will walk you through the process. As always, if you wish to speak to someone directly, please call us at (877) 714-7514.