How It Works
Requesting a loan is easy with BackOnTrackLoans.com. Fill out one simple form and your inquiry will be submitted to our network of lenders. Loan amounts range from $100 to $5,000 (exact amounts vary based on individual creditworthiness, lender programs and underwriting, and your state of residence). You can have a response from one of our lenders the same day, and often within minutes. If connected with a lender, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, most lenders will deposit money directly into your bank account, as soon as the next business day.
Most lenders have the following requirements to be considered for a loan:
To be accepted by most lenders in our network, you should:
- Be employed at your present job for at least 90 days.
- Be a US citizen or a permanent resident, and over the age of 18.
- Have an income of around $1,000 per month after tax deductions.
- Have a checking account in your name.
- Provide a working telephone number for your home and work.
- Provide a valid email address.
Quick Inquiry Process
Through our secure technology, we will search for a lender in our network that is willing to work with you based on the information you submit. If you've been connected with a lender, they may reach out for additional verification information, or you may be redirected to the lender's website, which will provide more information on the lender you were connected with, the terms of your loan, and the next steps to be followed.
Funds Direct to You
After your lender has taken and approved your request, in most cases, funds will be deposited directly into your bank account. That means you likely won’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.
Private and Secure
We use industry-recognized security and encryption technology to protect your personal information.
If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This helps ensure each payment is timely and reduces the risk incurring any late fees.
Late payment policies differ among lenders. Failure to make payments in accordance with your loan agreement could result in your lender instituting collection activities. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.
NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of loans and recognize that nobody knows your situation better than you.
Each lender has different policies regarding loan renewals. State law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Make sure to review your loan agreement and consult with your lender regarding any questions.
Consequences of Default
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and/or loan defaults may be reported by lenders to a third-party consumer reporting agency, and adversely affect your credit. If you are experiencing serious financial difficulties, consider other alternatives or seek out professional financial advice.
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