Get Online Loans Fast with Lightning Money Loans

Receive your online loan as soon as the next business day with our convenient and secure form below:

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Online Loans Offered

Forget about the days of waiting in line at the bank. Submit your loan request from the comfort of your home whenever it suits you. It makes your life easier—and who isn’t looking for a bit more convenience?

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Easily Accessible

Traditional banks can be tough on people with less-than-stellar credit or those who lack collateral. Online lenders tend to be more flexible, using advanced algorithms to evaluate creditworthiness beyond credit scores.

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Quick Funding

At Lightning Money Loans online loan decisions are often processed at lightning speeds. Many lenders can make a decision and, if approved, transfer funds to your account as fast one business day. This quick turnaround means you get the funds when you need them most.

How to Secure an Online Loan


Choose How Much You Need

Decide how big of a loan you need to suit your needs. Before you commit to a loan, crunch the numbers and make sure the repayment schedule fits comfortably within your budget.


Start Online

Visit Lightning Money Loans and get ready to fill out a short online form that will attempt to connect you with a lender or a financial partner! Always take the time to read the terms and conditions of any loan agreement thoroughly. Make sure you understand the rates, fees, and obligations to avoid unpleasant surprises.


Get Connected

After filling out our short online form, we'll attempt to connect you with a lender. If we find a possible lender, you will be presented with the next steps on how to complete your online loan request and get the funds. You may need proof of income (like pay stubs) and valid identification. Have these documents ready beforehand to speed up the process.


Quick Funding

If a lender is found and you agree to the loan online, often the lender can deposit the funds to your bank account as soon as the next business day. If a lender is not found we may present you with offers for bad credit repair, debt relief, or other services that you may want to consider that may still be helpful.

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Get Loans Up to $1,250.



24/7 Online Loan Application.



Payday Loans available up to $1,250.



Pay Back the Loan Over Time.



Get Your Cash Advance Quickly.



Most Loans Approved Within Minutes.


5 Ways to Borrow Money Online

1. Personal Loans

These are the all-rounders of online loans. You can use personal loans to consolidate debt or fund a major purchase. They typically offer lower interest rates than credit cards and repayment periods ranging from a few months to several years.

2. Payday Loans

If you need cash quickly and are sure you can repay it by your next paycheck, a payday loan might be what you’re looking for. But attention to the fast repayment schedule, a payday loan is meant to be a loan until your next payday.

3. Installment Loans

Installment loans are similar to personal loans but are paid back in regular installments over time, making budgeting easier. They’re often used for larger investments, like home improvements or significant purchases.

4. Lines of Credit

These are a hybrid between a loan and a credit card. You get approved for a certain amount but only pay interest on what you use. They’re great for ongoing expenses or as an emergency fund.

5. Title Loans

These loans use your car as collateral. Because there is collateral involved you are more likely to get a loan even with bad credit.

Each type of online loan has its perks and points to consider, so weigh your options carefully to find the right fit for your situation.

Ready to request funds?

With loan amounts ranging from $200 to $50,000 and the ability to get funds into your bank account in as little as one business day, we make borrowing straightforward and stress-free.

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Proud member of the Online Lenders Alliance

As a trade organization for the online lending industry, the OLA is dedicated to ensuring that customers are fully informed and fairly treated.

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Safe and Secure

We protect your data with SSL encryption so that you can request a loan from the comfort of your home with a peace of mind.

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We don't charge fees

We do not charge any upfront fees. Submitting your loan request is of no cost to you!

Red checkmark Representative APR Range (Qualified Customers) is not a lender and does not provide online loans but aims to connect consumers with lenders who may provide such loans. is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request, the loan amount, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. For help with any related services consumers may Contact Us.

Red checkmark Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Red checkmark Implications of Non-Payment and other Considerations

A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may add fees, send to a collections agency, and/or report your late, partial or non payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies.

Red checkmark Credit Score Impact

While does not perform a credit check, the lenders that we work with may do so in order to determine your creditworthiness and the amount that they may be able to lend to you. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.

Red checkmark Collection Practices is not a lender and does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender we recommend that you discuss this issue with your lender directly. makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.

Red checkmark Renewal Policy Information

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Personal Loans are intended to be a short term financial instrument. encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees.

Red checkmark Foot notes

  • Easy online form takes less than 5 minutes to complete.
  • You may be able to get your money in as little as 24 hours.
  • Rates, loan size, among other variables will vary based on your credit worthiness with the lower rates potentially available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender's policies. We recommend you read the lender's terms and conditions in full before accepting a loan offer.

Ready to request funds?

If you’re looking for ways to borrow money online, turn to Lightning Money Loans. We connect you with our network of lenders and financial partners, simplifying the process of finding a great loan for your needs.