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Apply For Online Loans – Get an Instant Decision Today

Looking for the best online loans? Harpsey can help you borrow from $100 to $35,000 today. All online and secure, from start to finish.

Applying for an online loan with Harpsey is very simple. The online application is dealt with securely and you’ll receive an instant decision once submitted. It takes less than 5 minutes to complete and successful applicants receive funding on the same day or on the next business day. All applicants are welcome including those with bad credit and those looking for no-credit-check online loans. Click to get started below to find out more.

Where Can I Get Online Loans Near Me?

If you’re looking to find an online loan that meets your financial needs, Harpsey is perfectly placed to support your search for funding. Harpsey has a track record of matching a large number of diverse borrowers looking for all different types of online loans. Whether you want to borrow $500 or $5000, we can match you with no credit check loan, same day loan, or anything else you may need.

We use the information provided to identify the best lenders that are most likely to approve your online loan application. We also try to match all of our customers with lenders offering the most competitive loan rates and terms. Our service enables applicants to pre-qualify for a loan through Harpsey and allows lenders to display their best loan offer on screen with no obligation to proceed.

What Does The Term Online Loan Mean And What Can You Use It For?

The term online loan refers to the process of completing a loan application entirely online via the internet without the need to go into any bank branch or store.

With online loans, the paperwork is all filled out electronically via the Harpsey website and any additional checks are handled 100% online. Funds are transferred to the borrower’s live checking account within a few hours of approval or on the next business day via electronic banking.

Harpsey’s online loan service boasts fast funding to our customers and modern convenience. The loan request application takes less than 5 minutes to complete and enables applicants to pre-qualify for an online loan that lets you see all the loan rates and terms without impacting your credit score.

Our lenders typically fund the same day that you apply because they can make decisions much more quickly than banks that don’t have the same online systems and internet infrastructure.

If you need money fast and understand you’ll need to provide some personal information electronically as part of the secure online application form – such as your education history, social security number and bank account info (to receive funding) – then using Harpsey’s online loan service is a fast and secure option to obtain the funding you need.

Online loans are a broad category of loans which comprises payday loans, installment loans and short term loans. Online loans provide excellent flexibility when it comes to repayment options – you can borrow and repay over several weeks, months or years to suit your lifestyle and finances. Harpsey offers loans of between $100 to $35,000 depending on your income, cashflow, credit profile and affordability.

One of the concerns sometimes associated online loans is around the safety and security of online lenders. Harpsey undertakes a strict vetting process to make sure all our lenders are licensed and are following strict regulatory controls. Our online lenders are also members of trusted organisations such as the OLA which protect consumers from unscrupulous practices. We review all our online lenders regularly to ensure they maintain the high level of trust and professionalism which is so important to Harpsey.

Online loans can be used for many reasons – some of our customers need money to undertake a home improvement project, others are keen to do some debt consolidation or to refinance an existing loan. We also know many of our customers use online loans for setting up a new business, dealing with emergency expenses and household bills. Car repairs is another reason often cited by borrowers looking for funds. Whatever your motivation is for wanting an online loan, Harpsey is here to support you with our smooth and fast application process which is all handled securely online.


Is It Possible To Get An Online Loan The Same Day As Applying?

Simply put, the answer to this, is yes. Funding of an online loan (meaning payment of the loan monies into your bank account) typically occurs on the same day, and usually within a few hours, of your loan application.

The loan application follows a 3-step process:

Step 1 –  Complete an online loan request form through Harpsey in less than 5 minutes by providing some basic information including how much you want to borrow, how long you want to repay it, your name, basic income, employment, home address and bank details.

Step 2 – Get an instant decision on screen immediately showing what loans are available to you and the rates and terms of those online loans (this is called pre-qualification).

Step 3 – Confirm if you want to move forwards with your loan of choice that’s affordable to you. The lender will then then deal with their administration of the loan approval straight away and send you an electronic agreement (to your email) to read and sign to confirm you accept the terms of the loan presented to you.

Once you’ve signed the agreement, you’ll receive instant funding of the loan into your live checking account. For a smaller loan of up to $500, this usually takes place within 1 hour of signing the agreement. For a slightly larger loan, this can take up to 3 hours. For more complex larger loans, the money is usually transferred on the same day or the next business day.

What Is Harpsey’s Criteria To Be Eligible For An Online Loan?

To be eligible for an online loan, you have to meet the following requirements:

  • Be a US or Canadian resident
  • Have an employment or other stable income of at least $900 per month
  • Have a social security number
  • Be over 18
  • Have a live checking account to receive the loan deposit into

Our lending partners are willing to evaluate applicants based on their overall financial health and not just on the basis of a credit score. So, those applicants with bad credit, poor credit or no credit history at all, are encouraged to fill out a loan request form and their application will be assessed on its full merits. It’s completely free to apply and it won’t have any impact on your credit score due to the pre-qualification approach we take at Harpsey.

At Harpsey, we want to make sure that all loans taken out by our customers are both competitive and affordable. Because of this, our lenders carry out a number of standard income and affordability checks to ensure the loan requested is suitable for you and it won’t lead you into any financial problems.

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Do You Offer No Credit Check Loans That I Can Apply For?

Here at Harpsey, we offer our customers the option of applying for an online loan regardless of their credit history. Some of our short-term lenders on the payday loan side do consider approving loan applications without carrying out a credit check.

However, this is certainly less common nowadays because a credit check is a standard way for most lenders to evaluate the likelihood of being repaid in full and on time. This is because a credit check brings up all your current and previous debt obligations and shows whether you’ve missed any previous payments on loan agreements.

A no credit check loan will end up costing you more in higher-than normal interest rate charged by a lender on the loan because of the level of risk they are taking on by not knowing credit history.

If you are seriously looking for online loans with no credit check, we would recommend using Harpsey’s service to apply for a secured loan where you put down an item as security or collateral on the loan, such as a car, jewellery or other item of value in order to get approved. The APR charged on a secured loan is typically much lower because the lender has the comfort and security of taking ownership of the item if the loan is not repaid.

Harpsey also works with lenders who are able to accommodate people with all different credit histories including those with bad credit. You may be looking for a no credit check loan because you’re concerned about the effect that your bad credit will have on the outcome of your loan application. This is a common worry but Harpsey can assist people in this predicament.

Our lenders are willing to take a view on poor credit histories by looking at the overall financial picture of a borrower for the purpose of evaluating their loan application. Regardless of whether you’re looking to borrow $500 or $10,000, we can certainly support you with this.

Additionally, if you’re someone with no credit because you’ve never applied for a loan before or you’ve never taken out credit card in your life, then that’s also completely normal and Harpsey is on hand to assist you with this.

You may be a student or young person or never been in a financial position where you’ve needed to apply for a loan.  By getting approved and taking out an affordable loan, you can help to build up your credit score by paying it back on time and in full. This will boost your chances if you ever need to apply for loans in the future.

To be eligible, you’ll need a steady income and have some form of employment in place.

Key Features

Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

Representative Example


This is a typical example of a loan. Real terms will vary from lender to lender

Borrow $1500 over 3 months, at 400% APR, 3 repayments of $864.86, total repayable $2594.58

Can I Apply For Online Loans With Bad Credit?

Yes, absolutely, Harpsey is proud to support bad credit applicants and customers with poor credit histories looking for online loans.

Because of our personalised approach, we work with lenders that are flexible and responsive to each type of borrower. Our lenders look at the overall financial picture of a borrower before approving a loan and consider all different types of applicants.

This means they assess on a variety of factors and not just credit score. They understand that maintaining a perfect credit score is not realistic and there are many legitimate and innocent reasons why someone may be carrying bad or poor credit.

As an alternative, our lenders place more emphasis on affordability characteristics such as stable income, healthy income to debt ratio and solid cashflow to support the repayments. You don’t need to be earning a big income, but do need to be able to afford the repayments taking into account your other outgoings and expenses.

When taking on poor credit applicants, our lenders may slightly lower the amount you request to borrow if they feel it’s likely to create financial difficulties for the borrower. Our lenders may also set an interest rate at above-market levels if they feel they need to do so to mitigate the potential risks of the applicant defaulting on the loan.

Keeping to your monthly repayments will help you to boost your credit score and get rid of any bad credit that’s holding you back.

Does Harpsey Offer Easy Online Loans?

The idea of someone being guaranteed an easy online loan is not something that any responsible lender or reputable loan intermediary provider would say or promise.

All lenders have their own criteria for approving a loan and whilst Harpsey tries to maximise the chances of funding for our customers, we can never guarantee or promise that your online loan application will be approved.

The starting point for being eligible for an online loan is based on 3 key factors:

  • You must be a US or Canadian resident
  • You must be employed and be earning a steady income
  • You must be able to afford the monthly repayments on time

If you can satisfy these 3 key conditions, then regardless of whether you have bad, poor or no credit, your application will be considered. We will support you to secure the affordable loan you need.

For Legit Online Loans, Use Harpsey!

Harpsey has an excellent track record of connecting lenders with customers looking to borrow amounts from $100 to $35,000. We put all our lenders through strict entry requirements before we agree to partner with them. We then run checks and reviews with our lenders on a regular basis to ensure they are maintaining the same high professional standards.

Our lending partners are vetted frequently by ourselves as well as by organisations such as the OLA to ensure they are complying with the strict regulatory guidelines and legal requirements. This is to ensure that your application is treated securely and properly with your protection at the heart of what we do.

Whether you are looking to apply from Texas, California, Ohio or Florida, we choose lenders that have considerable loan capital to fund loans at an eager rate to support as many as our customers as possible. With speed and simplicity at the heart of our application process, you can have peace of mind that we will endeavour to find the best online lender for you.


Can You Repay Online Loans In Monthly Instalments? 

Harpsey’s loan request form enables loans to be taken out over a period of time to suit each borrower. You will be able to select the preferred duration of the loan meaning that you can repay the loan in monthly installments from 1 to 60 months – just choose the right period for you.

Each repayment will be made in equal monthly installments which means each month, you will repay a fixed amount and have the certainty of knowing it will be the same each month for the remainder of the loan, with no unwelcome surprises.

It’s worth pointing out that the more monthly installments you opt for, the more interest you will pay over the lifetime of the loan because of the way interest accrues. However, you need to balance the length of the loan with the amount of interest to make sure it is both affordable and you’re getting the best value for your situation by looking at how expensive it is.

Harpsey works with lenders that typically allow borrowers to settle their account at any point by repaying the remainder of the loan earlier than the final monthly date if they wish to do. This will help to save money in the form of interest for the balance of the loan. This provides borrowers with flexibility and financial comfort knowing they can clear the loan quickly if they need to and have the cash reserves to do so.

Get Started By Applying For Online Loans Today With Harpsey!

With the size and scale of our lenders partners who are ready and willing to provide loan funding to eligible customers, it’s a great time to apply for an online loan with Harpsey.

Get started by filling out our online loan request form which takes no more than 5 minutes to complete online. You’ll be greeted by an instant decision on screen showing the online lender(s) and loan(s) you have hopefully been successful with, via our pre-qualification process, without any impact to your credit score.

Choose the online loan you wish to proceed with (if any) and you’ll be asked to sign an electronic agreement confirming the terms of the online loan displayed to you. Money is then paid into your bank account within a few hours or next business day at the latest.

Harpsey is open for service 24 hours per day, 7 days per week. Access our online loan request form online via desktop, laptop, mobile or tablet and check out competitive rates, offers and fast funding.

Any checks will be run in the background during the application process without causing you any added stress. We don’t charge any fees for applying and all information is handled securely.


What Are the Typical Interest Rates for Online Loans?

The average APR on a 24-month unsecured personal loan in the U.S. is 11.23% according to Investopedia. This will depend on your credit score.

How Do I Choose a Safe Online Lender?

Working with a broker like Harpsey will help you to find a safe online lender, or you can do it yourself by considering:

  • Is the lender accredited by the Better Business Bureau?
  • Are there any predatory terms in their terms and conditions?
  • Do they offer suspiciously “too good to be true” products?

What Should I Consider Before Applying for an Online Loan?

Before applying for an online loan, consider:

  • Your credit score: If you have a good credit score, you will likely be approved for a loan with a lower interest rate.
  • The amount of money you need: If you borrow more than you need, you will end up paying more interest, which can trap you in a debt cycle.
  • The repayment terms: Online loans typically have repayment terms of 3 to 6 years.
  • The interest rate: The higher the interest rate, the more you will pay in interest over the life of the loan.
  • The fees: Online lenders may charge fees for things like origination fees, late payment fees, and prepayment penalties.
  • Your ability to repay the loan: If you have trouble making payments, you could end up defaulting on the loan, which could damage your credit score.

What Are the Benefits of Online Loans?

There are several benefits to taking out an online loan, including:

  • Convenience: You can apply for and fund an online loan from anywhere, at any time instead of going into the physical bank.
  • Speed: Online loans can be transferred to your bank account quickly, often within 24 hours of approval.
  • Transparency: Online lenders are required to disclose all of the terms of the loan, including the interest rate, fees, and repayment schedule.
  • Flexibility: Online loans typically offer a variety of repayment terms, so you can choose one that fits your budget.

Are There Alternatives to Online Loans?

Yes, there are alternative options to online loans, such as traditional bank loans, credit unions, and borrowing from family or friends.