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This loan has a .25% interest rate discount because it includes AutoPay enrollment upon approval. You can apply for the same loan without AutoPay enrollment that will not have the discount. Click here to select the alternative product.

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How it Works

  • step 1 Step 1 - Enter Reservation Number

    Enter Reservation Number

  • step 2 Step 2 - Submit Income Information and Verify Your Identity

    Submit Income Information & Verify
    Your Identity

  • step 3 Step 3 - Provide Permission for Us to Review Your Credit Report

    Provide Permission for Us to Review Your
    Credit Report

  • step 4 Step 4 - Review Loan Terms & Accept Your Loan, If Approved

    Review Loan Terms & Accept Your Loan, If Approved

Frequently Asked Questions

  • Who is CreditShop?

    CreditShop is a consumer lending company, headquartered in Austin, Texas. We are dedicated to helping millions of creditworthy Americans who may be paying too much for credit. We work to make CreditShop loans easy to apply for and easy to understand.

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  • How will I know if my request for a loan has been approved?

    If your loan is approved, the loan terms and loan agreement will be presented on an approval confirmation page. You will also be notified by email and/or text message.

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  • When will I get my money?

    Depending upon the funding method, the funds should be available as follows:

    STANDARD FUNDING - with the funds sent electronically to your bank account:

    If you request an advance from your credit line: The funds should be in your bank account* the next business day if your request is processed before 1:00 p.m. ET, Monday-Friday. The funds should be in your bank account* the 2nd business day after loan acceptance or funds transfer request if your request is processed after 1:00 p.m. ET, Monday-Friday. The funds should be in your bank account the following Tuesday after your loan acceptance or funds transfer request if your request is processed any time Saturday or Sunday.

    INSTANT FUNDING - with the funds sent electronically to your debit card account:

    If you have a debit card, you may be able to receive your funds in just minutes after a funds transfer request. There may be a $3 fee for this service where available.

    * Subject to your bank's funds availability policy. If the day of funding falls on a bank federal holiday the funds will be available the following business day.

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  • How much will my loan cost?

    The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 19.9% to 36%. In some states, we may charge a loan processing fee or account set-up fee ranging from $25 to $100 when we establish a loan. If a loan processing fee or account set –up fee is charged, it will be clearly disclosed to you before you accept your loan and will be reflected in your APR. If you decide to pay your loan off early, there is no pre-payment penalty.

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  • How much may I borrow?

    CreditShop loans generally range from $1,000 to $3,000. Your final loan amount will be based on your creditworthiness and other factors, including your state of residence, which may have specific requirements.

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