Frequently Asked Questions

Loan Link offers three types of loans: Cash Advances ($200 to $1,000 for quick needs), Personal Loans ($200 to $5,000 for larger expenses), and Payday Loans ($200 to $1,500 to bridge the gap until payday). Each product is designed for different financial situations.

Applying is easy! Simply click 'Apply Now' and fill out our online application. You'll need to provide basic personal information, employment details, and bank account information. The entire process takes about 5 minutes.

For cash advances and payday loans, you can often get approved within minutes and receive funds as soon as the next business day. Personal loans may take 1-2 business days for approval, with funding typically occurring within 24 hours of acceptance.

Basic requirements include: being at least 18 years old, having a valid government-issued ID, having an active checking account, and having a regular source of income. For personal loans, we also consider your credit history.

For cash advances and payday loans, we do not perform a hard credit check, so your score won't be affected. For personal loans, we do a soft credit check to show you rates you qualify for — this doesn't affect your score. A hard check only occurs if you accept a loan offer.

Cash advances and payday loans have fees disclosed at application time. Personal loan APRs range from 5.99% to 35.99% based on your credit profile. All fees are disclosed upfront before you accept any loan — no hidden charges.

Yes! We encourage early repayment. For personal loans, there are no prepayment penalties — pay off early and save on interest. Cash advances and payday loans can also be repaid early with no additional fees.

If you're having trouble making a payment, contact us immediately. We may be able to work out a payment plan. Late payments may incur fees and could affect your credit score. Please borrow responsibly and only take out loans you can afford to repay.

Absolutely. We use 256-bit encryption to protect all your personal and financial information. We never sell your data, and we follow strict security protocols to keep your information safe.

Loan Link operates in most U.S. states. Some products may not be available in all states due to local regulations. During the application process, we'll let you know which products are available in your area.