Fast, Flexible Loans When You Need Them Most
Get approved in minutes with rates as low as 5.99%. No hidden fees, no hassle, just the funds you need.
Get approved in minutes with rates as low as 5.99%. No hidden fees, no hassle, just the funds you need.
Life happens fast, and sometimes your finances can't keep up. We understand the common obstacles people face.
Traditional banks can take days or weeks to approve your loan, leaving you waiting when you need funds urgently.
Complex application processes and mountains of paperwork create unnecessary stress and delays.
Many lenders have rigid eligibility criteria that exclude those with less-than-perfect credit histories.
Cricket Loans provides a streamlined lending experience that puts you in control. Our digital-first approach removes the complexity from borrowing.
We've redesigned the lending experience with your needs in mind.
Application to funding in as little as 24 hours, with instant decisions available for many applicants.
Our intelligent risk assessment means better rates than traditional payday lenders and many banks.
Transparent pricing with no origination fees, prepayment penalties, or other hidden charges.
Apply, get approved, and manage your loan entirely online from any device, anytime.
Join thousands of satisfied borrowers who've experienced the Cricket Loans difference.
"I needed funds for an emergency medical bill and Cricket Loans came through when my bank couldn't. Application was easy and money was in my account the next day."
"After being turned down by three other lenders due to my credit score, Cricket Loans approved me with a fair rate. Their customer service was exceptional throughout."
"The flexibility to make extra payments without penalties helped me pay off my loan early and save on interest. Will definitely use Cricket Loans again!"
Explore the features that make Cricket Loans the smarter choice for borrowing.
Choose loan amounts from $1,000 to $50,000 to fit your exact needs
Select repayment terms from 12 to 60 months for manageable monthly payments
Use funds for almost any purpose with no restrictions on how you use your loan
No collateral required for all of our personal loan options
Find answers to common questions about Cricket Loans.
Most applicants receive an instant decision after completing our online application. In some cases, we may need additional verification which can take up to 24 hours. Once approved, funds are typically deposited to your bank account within 1 business day.
To qualify for a Cricket Loan, you need to be at least 18 years old, have a valid ID, provide proof of regular income, have an active checking account, and be a U.S. resident. We consider applicants across the credit spectrum, including those with less-than-perfect credit.
Cricket Loans can be used for almost any personal expense, including debt consolidation, home improvements, medical bills, major purchases, education expenses, or unexpected emergencies. The only restrictions are for illegal activities, gambling, or investments.
Our interest rates range from 5.99% to 29.99% APR, depending on your credit profile, loan amount, and term length. The rate you qualify for will be clearly displayed before you accept the loan. Unlike many competitors, we never charge origination fees or prepayment penalties.
Repayments are made in equal monthly installments over your chosen term length. Most customers set up automatic payments from their bank account for convenience. You can make additional payments or pay off your loan early at any time without penalty through your online account.
When you check your rate, we perform a soft credit pull which doesn't affect your credit score. Only after you review and accept a loan offer do we perform a hard credit inquiry, which may temporarily lower your score by a few points. On-time payments will be reported to credit bureaus and can help build your credit over time.
Check your rate in just 2 minutes with no impact to your credit score. Get the funds you need as soon as tomorrow.
Checking your rate won't affect your credit score.
