I Need A Loan is based in Santa Clara, California. The company helps consumers secure a loan by working with thousands of direct lenders. According to the website, the company’s main goal is helping customers get financed, with the secondary goal of high-quality customer service. I Need A loan offers a number of loan products: installment loans, auto title loans, short term loans, and personal loans. Other services range from payday advances, emergency loans, unsecured loans, bridge loans, merchant advance, business loans, signature loans, same day loans, debt consolidation, fast cash loans, motorcycle loans, and used car loans.

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The Good

I Need A Loan’s blog is a catch-all place to look and read up on categories such as credit, finance, life hacks, loans, saving money, and tips. Articles are also archived by each month dating back to 2013.

The entire loan application process is completed and submitted online. You can get started any time of the day or night, no faxing required.

Funds can be deposited directly into your bank account usually by the next business day. No need to wait for a long period of time to see if you are approved. It usually is same day processing and can even take a matter of minutes to be in the know. Loans can anywhere from $100 up to $5,000 from most lenders.

The Bad

There is no Better Business Bureau rating for this company. Many business loans providers, if not accredited by the BBB, at least have a profile and a rating.

There is an “about us” page on the company website, but it proffers little useful information about the company itself. An “about us” section on a company’s website should have information that is truly about the company.

The company reserves the right, as stated in the privacy policy, to sell or transfer your personal identifiable information to third-party marketers. Third-party marketers will then send information about products and services by telemarketing calls. Even if you have registered your number on a state or federal do not call registry.

The Bottom Line

This may be an option for some that are in desperate measures to get a small loan, but there are many other companies that would love your business that will be upfront with costs and interest rates. I Need A Loan is not a BBB rated company, which makes it difficult to look up past complaints, see how long the company has been around, or even names of management. Their privacy policy has a lot of information, but too many sections are about how a customer will be targeted by telemarketers, third-party advertisements, and so on. Customers are encouraged to look for a more reputable company with better transparency.

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