Borrow Money Online
Apply for $100 to $35,000 with Dime Alley and Receive Funds on The Same Day or Within 24 Hours. And Yes, We Accept Bad Credit Too!
Get Started Now
Free to Apply and 100% Online
No Impact To Your Credit Score
Bad Credit Considered
Follow these 3 simple steps to borrow money today
Complete our online application in just 5 minutes.
Get an instant decision on the screen and electronically sign your loan agreement.
Receive funds into your account in 1 hour, the same day or next working day!
Fast & Effective
Borrow money in 1 hour, 24 hours or same day.
No Upfront Fees
There are no fees for applying.
We work with direct lenders to ensure a smooth process
We consider poor credit and no credit histories.
We offer a simple way to borrow $100 to $35,000 depending on your income, affordability, credit score and residential status. You may be looking for a small loan of $300 or $500 to help see you through the month, or you may be looking for larger loans of $5,000, $10,000 or more.
Small loans are usually borrowed for just a couple of weeks or months, and this might be payday loans or cash advances. For longer term loans, this may be installment loans and you may need to borrow money for as long as 12, 24, 48 or 60 months.
You must be over 18 years of age and living in the US permanently. You will need to be employed, either part-time or full-time and earning a minimum salary per month (this is usually around $800 depending on the lender). You will need to have a stable income and be able to afford monthly repayments.
Our lenders are willing to accept customers with bad credit scores, but you just need to ensure that you have a stable income and are committed to paying back your loan on time each month.
The cost of your loan will depend on factors such as your income, credit score and the duration of your loan. Good credit scores may be eligible for loans starting from 36% APR, with payday loans typically around 300% to 600% APR.
Sometimes being a homeowner with a good credit score can offer the best rates, but each application is looked at uniquely and on a case-by-case basis.
However, it is important to remember that some loans will only last a few weeks, so they may seem a lot more expensive and hundreds of percent of APR, but that is only because it has been calculated to be an annual product.
How Fast Can I Receive My Loan?
Dime Alley can offer loans within 1 hour, the same day or next working day. With a fully online form, you can complete your details and get an instant decision. Make sure that you have your email account and cell phone to hand for any additional questions and we can aim to get your loan funded as soon as possible.
How Do Repayments Work Each Month?
Your loan repayments are made in equal monthly installments, from 1 to 60 months, and money is collected from your account automatically. You can select a day that is best for you to make recurring repayments, with most of our customers choosing their pay date from work, which is the last working day of the month.
Can I Borrow Money With Bad Credit?
Yes, we offer loans for people with bad credit scores and histories, often adjusting the terms, whether it is the amount you wish to borrow or by charging a slightly higher interest rate. We can help people with poor credit and we may be able to suggest credit unions or title loans too.
I Need Money Now - Can Dime Alley Help Me?
Yes, if you need money now for an emergency or pressing bill, you can apply immediately and receive funds within 15 minutes or 1 hour if you are fully approved. A lot of our customers use us as a payday service and we are happy to help if you need money today.
Does Applying Impact My Credit Score?
No, applying for a loan with Dime Alley will not negatively impact your credit score. Just make sure that you do not make too many applications within a short space of time, since this might look suspicious to other lenders. We will run a credit check fo each customer, but do not worry, this does not affect your credit rating in any way.
Can I Repay My Loan Early?
Yes, you can speak to your lender and repay early if you want to and there are no late fees for doing so. You may need to keep your loan open for a certain number of days or weeks, but are always allowed to repay early, especially if you have a loan that lasts several months.