Please provide us with the required information below.  We will use this information to locate your reservation and activate your loan offer. We will present the most recent offer available to you. If this is not what you intended to apply for, please contact us at 800-317-9240.

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.

The personal information you provide on this screen to look up a potential CreditShop offer is for identity verification purposes and CreditShop will not store the information you provide on this page.

How it Works

  • step 1 step 1, Verify Your Identity & Submit Income Information

    Verify Your Identity & Submit Income Information

  • step 2 step 2, Provide Permissions for Us to Review YourCredit Report

    Provide Permissions for Us to Review Your Credit Report

  • step 3 step 3, 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?

    If your application is approved by 1:00 p.m. (EST), the funds may be deposited into your bank account the next bank business day. However, “next day hold” policies at some banks, requests for additional documentation by CreditShop, or other unforeseen circumstances could delay funds receipt.

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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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