Highlights

  • Get your cash as soon as next business day upon approval from lender
  • A solution to your specific financial needs
  • If approved, Lenders may deposit funds directly to your bank account
  • All Credit Types Welcome
  • Flexible Payments – Pay off lenders based on loan terms

Editor's Rating

96 out of 100
What's This?

What is Editor’s Rating?

The score you see here is our proprietary editor’s rating of this lending company using our unique scoring system which uses a number of factors to rank lenders based on what we feel may be the best fit for a consumer like you. While we are compensated by lenders if you choose accept a loan from a lender linked through our website, and we may not show you all potential lenders that could extend a loan to you, our ratings are completely independent and based on our own ratings criteria.

Just a few of the factors we use are:

  • Lender Popularity: If many people with a profile similar to your are selecting the same lender over others we know that this lender probably has the right balance of features and customer service to be a good fit for you, and is a good indicator of if you’ll also be interested in this lender.
  • Lender Approval Rates: We know that it’s important to you that when you apply for a card you have a high likelihood of being approved, so we use the overall approval rates for each credit card as a factor in our editor’s rating.
  • Lender Reputation: We value lenders that are well established and trustworthy, so we use lender reputation as a factor in our editor’s score.

Features

Tru Loans have revolutionized the meaning of fast processing. A special online request form is shorter than competitors because they only ask the questions that matter and the whole process takes just a few minutes to complete. Most of the lenders don’t require faxing either so you can potentially be approved from the comfort of your own home. Just fill out the request form and Tru Loans will direct you to lenders for all types of situations and credit scores. If you are approved, your lender may deposit funds directly to your account as soon as next business day upon approval. May not be available in all states and you are encouraged to research whether loans are available in your state.

Loan Process Information:

Nobody likes filling out long, tedious forms, which is why Tru Loans keeps its process as short and simple as possible. The request form will ask you for personal information, but rest assured that the website employs the highest levels of security, including SSL and encryption. To request a loan you must be at least 18 years old, a citizen or permanent resident of the US, and have a driver's license and Social Security number. You'll also be asked for your bank account information for routing and electronic transfer purposes. Don’t worry if you don’t have a bank account as several of Tru Loans's lenders specialize in working with people just like you to deliver loan proceeds in an alternative fashion.

Repayment Terms

Personal loans have varying repayment terms that can extend as long as several months. Typically, first time borrowers will have significantly shorter repayment terms, such as by your next payday or two weeks. Every individual loan is different so be sure to carefully review the terms of your loan to find out what the repayment terms are before you accept an offer. There are various repayment methods (weekly, bi-weekly, one-time) and various extensions and renewals allowed depending on your lender. If you do find you need an extension or renewal then just contact your lender for additional details and information. Most lenders do not charge a penalty for early repayment.

Help & Support

Tru Loans offers responsive email support and can be reached by phone. They also offer Chat Support that will answer the most common loan request questions you may have. Although, email is the best option to contact Tru Loans if you have any questions. Their representatives responded quickly, but since they are not a lender, they can only provide general information and you should contact your lender for more specific, detailed loan related questions. You can also find a helpful FAQs and Terms of Use page on the website, so start there when you're looking for information.