The Basics

A personal loan is an unsecured loan that is typically meant for personal, family or household purposes, but there are no specific limitations on how one can be used.

At Encoreloan, you can make request for a loan between $100 and $15,000. The amount you receive is dependent on a number of factors, including your income, employment, credit history, state of residence and the lender that you are connected with. In the event that you are not connected for a loan amount, you may still be eligible for a lower amount. Simply follow the instructions provided on our form to start a loan request for a lower amount in real-time.

A short-term loan is an unsecured loan that can be used to address immediate financial needs. Short-term loans are commonly used to bridge your finances in between paydays.

Encoreloan accepts loan requests 24 hours a day, 7 days a week. Our network of lenders is open at all times, unlike conventional banks that are only open during business hours. Once you are connected with a lender on our site, you will receive instructions on how to finalize your loan with your lender.


At Encoreloan, we believe that everyone deserves access to credit. Although credit is one aspect of your request that is assessed, our lenders consider a broad range of criteria to determine your eligibility, including your personal information, employment and state of residence. We work with lenders that provide loans for those with excellent credit, average credit or poor credit.

Encoreloan provides a user-friendly loan request process that provides you with useful information every step of the way. After you have submitted your loan request, our loan engine automatically begins connecting you with a lender. If a lender is found, you will be notified on our site in real-time. You will then be directed to your lender's site for instructions on how to finalize your loan. If we are unable to connect you with a lender, we will direct you to additional options to help address your financial needs.

For Your Information

If your loan request is successful, you will be requested to review your lender's loan agreement. Once you have signed for your loan your funds are released, and typically received in your bank account by the next business day.

Most lenders offer loan extensions and alternative repayment options in special circumstances. We recommend that you contact your lender directly to discuss the options available to you.

The amount of time you are given to repay your loan depends on the type of loan you are connected with. Installment loans are paid back over multiple payments, usually between 12 to 60 months. Short-term loans are usually paid back on your next payday. Since we are not a lender ourselves, the exact terms of your loan (including interest rates, repayment periods and monthly payment information) will be presented to you by your lender. Each lender uses their own policies to determine their terms, which often depend on the state you reside in, monthly income and credit history.

Encoreloan utilizes industry standard security protocol and enhanced 128-bit data encryption technology to ensure that your information is safe and secure while using our site.

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