Small-dollar loans with zero fine print.
Money Loan Capital is a direct online lender offering fixed-payment installment loans across four tiers — from $250 to $5,000. We cap APR at 35.99% all-inclusive on every tier — no origination, no late-fee traps, no balloon payments.
- No impact on credit to check
- Fixed monthly payments
- No prepayment penalty
- APR capped at 35.99%
Sample offer · Stability tier
Illustrative$2,000
over 12 months
- APR (all-inclusive)
- 27.99%
- Monthly payment
- $193.04
- Total finance charge
- $316.48
- Total of payments
- $2,316.48
- Origination fee
- $0.00
Example for illustration only. Your actual rate and payment depend on creditworthiness, loan amount, term, and state of residence. See Rates & Terms for full disclosures.
$250–$5,000
Loan range
5.99%–35.99%
APR range (all-inclusive)
61–365 days
Repayment terms
$0
Origination & application fees
A small-dollar lender that behaves like the bank you wish you had.
We built Money Loan Capital because short-term credit in America is broken. Triple-digit APRs, rolling balloon payments, and hidden fees trap millions of borrowers every year. We refuse to play that game.
35.99% maximum APR, always
Our APR cap is hard-coded below the federal MLA and Apple App Store ceilings. The rate we quote includes every fee — no origination, no application, no surprises.
Minimum 61-day repayment
We never require full repayment inside 60 days. Every loan is a fixed-payment installment loan with predictable due dates and no balloon payments.
Soft-pull pre-qualification
Check your real rate in under two minutes with no impact to your credit score. We only run a hard inquiry after you accept an offer.
Pay it off anytime
Zero prepayment penalty, zero early-payoff fees. Pay off your loan the day after you take it if you want — you only pay interest for the days you borrowed.
100% online, 100% of the time
Apply, sign, and fund entirely from your phone. Most approved borrowers see funds in their account the next business day.
Real humans when it matters
Need a payment extension, a payoff quote, or just to talk to a person? Our Newark, New Jersey-based support team answers the phone Monday through Friday.
Pick a size. The price scales with the loan.
Larger loans, longer-tenor loans, and stronger applications earn lower APRs — because the per-dollar cost of underwriting and servicing scales the same way. Every tier still respects our 35.99% cap and 61-day minimum.
$250–$500
Cover a small, time-sensitive expense without spiraling.
- APR
- 32.99%–35.99%
- Term
- 3–6 months
$500–$1,000
Mid-size cushion when one paycheck won't stretch.
- APR
- 28.99%–33.99%
- Term
- 4–9 months
$1,000–$2,500
Right-sized for a meaningful expense or consolidation.
- APR
- 24.99%–29.99%
- Term
- 6–12 months
$2,500–$5,000
Our largest, lowest-priced product for serious situations.
- APR
- 19.99%–26.99%
- Term
- 9–12 months
Three steps, no paperwork, no office visits.
The entire process is online from start to finish. You can complete your application on a phone in about five minutes.
Read the full process- 1
Check your rate
Answer a few questions about income and residency. Takes under two minutes, no credit-score impact.
- 2
Review your offer
See your exact APR, monthly payment, total finance charge, and schedule before you sign anything.
- 3
E-sign and fund
Accept the terms, verify your bank, and receive funds as soon as the next business day.
Built to Apple App Store Guideline 5.2.5.
Every Money Loan Capital loan is structured to strictly conform to Apple's personal-lending rules: a maximum all-inclusive APR of 35.99% (well below the 36% ceiling) and a minimum repayment term of 61 days (more than the 60-day minimum). We disclose APR, payment due dates, and every fee clearly and conspicuously on our website, in-app, and on your loan agreement.
See our full rate disclosures35.99%
Max APR
61d
Min term
$0
Origination
$0
Prepayment
Ready to borrow the right way?
Get a decision in minutes. Loans from $250 to $5,000, terms 61–365 days, APR capped at 35.99%.
Checking your rate won't affect your credit score. No prepayment penalties.