Products — Fast, secure loans that put you first

From $500 to $500,000. Instant pre-approval in minutes. Funds in your account within 24 hours for many applicants.

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No hidden fees · Early payoff allowed

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Snapshot

Personal Loans

$1,000–$50,000 · APR 6.99%–24.99% · 6–60 months

Funds often within 24 hours
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SME Business Loans

$5,000–$500,000 · APR 5.99%–19.99% · 12–84 months

Digital underwriting for speed
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Fast Cash Advances

$500–$10,000 · APR 9.99%–29.99% · 3–24 months

Instant approval · Funds in 24 hours
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Product Ramp

Personal Loans

Flexible personal loans to consolidate, remodel, or recover—digital apply, instant pre-approval.

  • Amount: $1,000–$50,000
  • APR: 6.99%–24.99%
  • Terms: 6–60 months
  • Features: No hidden fees · Early payoff · 100% digital
"After being rejected by traditional banks, OptiCredit approved my personal loan in hours..." — James Chen, Small Business Consultant
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Estimated decision: minutes · Typical funding: within 24 hours

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SME Business Loans

Working capital and scale financing to keep your business moving—digital underwriting and customizable terms.

  • Amount: $5,000–$500,000
  • APR: 5.99%–19.99%
  • Terms: 12–84 months
  • Features: Working capital · Equipment financing · Inventory purchases
"OptiCredit saved my business during a critical cash flow crisis... $75,000 in my account within 24 hours." — Sarah Martinez, Martinez & Co. Boutique
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Estimated decision: minutes · Typical funding: within 24 hours

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Fast Cash Advances

Immediate small-dollar funding for urgent needs—instant approval and quick access to cash.

  • Amount: $500–$10,000
  • APR: 9.99%–29.99%
  • Terms: 3–24 months
  • Features: Instant approval · Funds disbursed within 24 hours
"OptiCredit's SME loan helped us scale from 5 to 25 employees in one year." — Aisha Okonkwo, CEO, TechFlow Solutions
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Estimated decision: minutes · Typical funding: within 24 hours

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50,000+ customers
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Personal Loans — Full Terms & Features

Representative APR 9.9% for $10,000 over 36 months → monthly payment $321 (example only). See the loan calculator for precise estimates.

Typical documents: government ID, recent bank statements, proof of income. Typical timeline: pre-approval in minutes, funds within 24 hours for eligible applicants.

SME Loans — Typical Docs & Timeline

Representative example: $75,000 for 36 months at representative APR—see /loan-calculator. Documents: business bank statements, tax returns, proof of ownership, and recent invoices.

Digital underwriting shortens review times—pre-approval in minutes for many businesses; funds often within 24 hours when approved.

Fast Cash — Representative Example

Representative APR 19.9% for $2,000 over 12 months → monthly payment example available in the calculator. Designed for urgent needs with rapid decisions.

Minimal documentation required in most cases; instant pre-approval and rapid disbursement for eligible applicants.

Compare features side-by-side

Product Amount APR Terms Funding Time Key Benefits CTA
Personal Loans $1,000–$50,000 6.99%–24.99% 6–60 months Often within 24 hours No hidden fees · Early payoff Apply
SME Business Loans $5,000–$500,000 5.99%–19.99% 12–84 months Often within 24 hours Working capital · Equipment financing Apply
Fast Cash Advances $500–$10,000 9.99%–29.99% 3–24 months Funds in 24 hours Instant approval for urgent needs Apply

Frequently asked questions

How fast will I get funds?

Instant pre-approval in minutes for many applicants. Funds typically disbursed within 24 hours for eligible applications.

Are there hidden fees?

No hidden fees. All APRs and fee structures are disclosed in our lending disclosures.

Can businesses apply?

Yes. SME Business Loans are available for eligible small and medium enterprises. See product details and Apply for business-specific guidance.

What documents do I need?

Personal ID and bank statements are common. Businesses may need recent financials and tax documents. See '/how-it-works' and the Apply page for specifics.

More FAQs

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