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Your Personalized Loan Is Waiting

Welcome to RSVP, a new invitation-only lending service. Have you been invited?

Enter your RSVP Code below to get started.

We Approve

Money As Soon

How It Works Enter your RSVP Code to get started.

Complete your pre-filled application in less than 5 minutes.

Once approved, we‘ll deposit cash directly into your checking account .

Check Your Account Anytime, Anywhere.

Why We're Better

We created RSVP Loans to provide a better option for hard-working, responsible Americans who need a little extra cash from time to time. Our loans are available by invitation only. That means we approve most of the applications and have competitive rates.

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Your Loan Is Reserved For You

*Applications processed and approved before 5:00 PM Central Time (Monday – Friday) will be funded the next business banking day in most cases. Applications received after 5:00 PM Central Time or on weekends or bank holidays may require an additional business banking day to fund.

The offer in your personalized invitation is a "firm offer of credit" for purposes of the Fair Credit Reporting Act. RSVP Loans and its affiliates offer installment loans to residents in those states where permitted by law. Restrictions apply, not available in all states. Available loan amounts vary based on state laws. The Annual Percentage Rate (APR) for an example installment loan of $2,000 is 274.23% with 40 every two week payments of $215; pricing in effect as of October 1, 2018. Please visit RSVPLoans.com for a complete list of terms and conditions for each state. This offer is not guaranteed if you do not meet minimum underwriting requirements, including but not limited to: (A) you must meet the state age requirement to enter into a valid contract; (B) you must currently reside in our service area; (C) you must not have an existing, pending, declined, or expired application with RSVP Loans; (D) your application must be complete and verifiable; (E) you must have a standard checking account in good standing, valid email address, and short code SMS capable mobile phone that is verifiable and not already in use by another RSVP Loans applicant; (F) your IP address and application device must be verifiable; (G) you must not be a military member on active duty or a dependent of an active duty military member; and (H) you must meet minimum income and affordability requirements for this loan.

An RSVP loan should be used for short-term financial needs only and not as a long-term financial solution. Consumers with credit difficulties should seek credit counseling.

Notice to California Consumers: In California, RSVP Lending, LLC operates under California Financing Law License No.60DBO68847 issued by the California Department of Business Oversight (f/k/a California Department of Corporations). Loans made or arranged pursuant to California Financing Law license.

In those states where permitted by law, RSVP Loans and its affiliates make loans via the internet from its location at 15271 Barranca Parkway, Suite C, Irvine, CA 92618. Loans made pursuant to this offer are unsecured. The APR associated with your offer is based on the amount of the loan we have offered you and a bi-weekly payment schedule; the APR may vary slightly for other repayment schedules. Please visit RSVPLoans.com for details on the APRs for other loan amounts.

To protect both you and payday loans online us, we use services provided by a third-party to help decide whether to accept transactions from person computers, mobile phones, or other devices. Learn more.

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1. For qualified consumers, the maximum APR, (including the interest rates plus fees and other costs) is 35.99% and the minimum is 7%. Subject to lender-approval.

2. Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%, Number of Payments: 30, payday loans Monthly Payment: $219.38, Total Amount Payable: $6,581.40

3. Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

4. Lender-approval and loan terms will vary based on credit determination and applicable state law. The lender’s approval process may take longer due to additional documents being requested

Rates and Fees

APR and fees are adjusted by many variables, including your credit rating, FICO score, state of residence, income and more. We work with lenders that adhere to applicable state and federal laws. Each state has its own limitation on APR and additional fees, therefore, you should review them before applying for a loan. The Truth in Lending Act requires full disclosures from our lenders of all loan fees and interest rates. If you are offered a loan, you are under no obligation to take the loan. Make sure you are aware of all the terms and conditions before taking a loan and never take a loan you cannot repay.

Possible Effect On Credit Rating and FICO Score

All borrowers must be aware that missing a payment or being late with payments may potentially negatively impact their credit score. Our lenders will likely run one or more credit checks with a major credit agency in order to determine whether or not to approve your application. If our lenders face an incident of non-payment or late-payment, they may report to those credit agencies in order to warn other lenders, banks and financial institutes.

Collection Practices

If for any reason you cannot make a payment on time, you should contact and discuss with your lender immediately on how to resolve it. After entering into a loan repayment schedule, you are protected by the Fair Debt Collection Practices Act (FDCPA), which is overseen and enforced by the Federal Trade Commission and the Consumer Financial Protection Bureau. Our lenders are required to abide by the FDCPA, which includes the following rules (this applies both to lenders and third-party collection agencies working on behalf of the lenders):

1.They may not contact you by phone before 8:00 am or after 9:00 pm in your time zone.

2.They may not use abusive language toward you.

3.They are prohibited from using deception to attempt to collect a debt from you.

4.They are not allowed to threaten legal action against you if they either can’t or don’t intend to pursue such legal action.

Renewal, Refinancing and Late-Payment Additional Costs and Fees

Loan renewal policies are largely governed by either state or federal law. In states where automatic rollovers or repayment term extensions are allowed, interest rates and late fees may apply. However, in certain instances, some of our lenders may offer instead a refinance option that allows customers to refinance their existing loan balance into a new loan with a new repayment schedule. Read the lender’s terms in considering renewal or refinancing options before signing the loan agreement.

Do I Qualify for a Loan?

You must be at least 18 years old

You must live and work legally within the US

You must be employed with the same employer for at least 90 days consecutively

You must have a valid email address and working telephone number

You must have a bank account in your name

Disclaimer: This service is not a lender and therefore cannot determine whether or not you are ultimately approved for a personal loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. Our purpose and goal is to connect you with one or more lenders from within our network who can provide you with the cash you need. We will never act as an agent or representative for any of our lenders, so you can rest comfortably in the knowledge that you will receive fair and competitive offers.

In order to request a personal loan through this website, you should first fill out our short, easy and secure online form. Once you click to submit it, this information will be forwarded throughout our network of lenders who will review your details and determine whether or not they can offer you a credit. Since each lender is different and we have no say in the rates and fees you are charged for a loan, we urge you to take the time to review the details of each offer you receive very carefully before you accept or decline it. Once you have found a loan offer that works for you, you will be asked to provide your electronic signature; this binds you into a contract with the lender which means that you are legally obligated to adhere to the terms in the loan agreement. You are never under any obligation to accept an offer from any lender and you may cancel the process at any time without penalty. We will not be held accountable for any charges or terms presented to you by any lender and we are not responsible for any business agreement between you and any lender.

We can not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $5,000. The limits and regulations vary from state to state.

To help government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer’s identity, Lenders may obtain, verify, and record information that identifies the customer.

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Our users typically find great success in our short term lending products, the offers are not obligatory, so feel free to check them out.

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For "Employer", enter your benefit provider's name

For "Employer Phone", enter your benefit provider's telephone number

For "Months Employed", enter amount of time on benefits

Did you mean "Employment" as income source?

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TIP: Banks are significantly more likely to

fund checking accounts than savings accounts

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TIP: Banks are significantly more likely to fund accounts with direct deposit.

Did you mean say "Yes" to having direct deposit?

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When you get your first installment loan, ask for a discount. Most installment loan offices offer a fee or rate discount for first-time borrowers. If the place you want to borrow from does not offer a discount, call around. If you find a discount elsewhere, the loan place, you want to visit will probably match it to get your business.

Installment loans are a good option for those who need cash urgently. People do, however, need to understand exactly what a installment loan is before signing the contract. The exorbitant interest and fees that are typical of these loans can make repayment difficult.

When looking for payday loans online a installment loan, do not settle on the first company you find. Instead, compare as many rates as you can. While some companies will only charge you about 10 or 15 percent, others may charge you 20 or even 25 percent. Do your homework and find the cheapest company.

If you decide you need a installment loan, do yourself a favor and shop around. Even when in a crisis, use your head. However, spending an hour looking into a dozen or so options can help you locate the business with the best rates. This will allow you to save some time later on so you're not wasting money paying for interest that should have been avoided in the first place.

If you are considering taking out a installment loan to repay a different line of credit, stop and think about it. It may end up costing you substantially more to use this method over just paying late-payment fees on the line of credit. You will be stuck with finance charges, application fees and other fees that are associated. Think long and hard if it is worth it.

If you live in a small community where installment loans lending is limited, you may want to go out of state. If installment loans are unavailable in your state, you can often simply cross the border for a bridge loan in your neighboring state. And, since most loans are recovered electronically, you will only have to make one trip.

Remember that almost every installment loan contract comes with a slew of different strict regulations that a borrower has to agree to. Installment loans are not discharged due to bankruptcy. They also make the borrower sign agreements not to sue the lender in the event of any dispute.

Try and stay away from avoiding your installment loan lender if you can't pay them back. These lenders will usually have intimidating debt collectors who knock on your door and harass you whenever you try to hide. If you are unable to pay your loan back on the due date, call the installment loan company and ask for more time to pay the loan back.

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As stated before, if you are in the midst of a financial situation where you need money in a timely manner, then a OppLoans.com may be a viable option for you. Just make sure you remember the tips from this website, and you'll have a good installment loan in no time.

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