1 Call Loans Logo
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10 User Reviews

5.1

Overall Score

1 Call Loans offers personal installment loans of up to $10,000 to borrowers of all credit ranges. In fact, 1 Call Loans says that you can be considered for a loan with bad credit, or even no credit. 

Offering rate and term flexibility, 1 Call Loans works with borrowers to ensure a personalized and positive borrowing experience.

Continue reading for a complete review of this company, as well as 1 Call Loans reviews from real customers.

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The Good

  • Flexible Loan Options
  • Instant Online Approval
  • Available in all 50 States

Flexible Loan Options

1 Call Loans offers the following loan options to its borrowers:

  • Short term loans — similar to a payday loan, borrow up to $1,000 with a loan term of 3 to 6 months.
  • Installment loans — borrow up to $5,000 with a loan term of 6 to 12 months.
  • Long term loans — borrow up to $10,000 with a loan term of 24 to 36 months.

It is important to note that 1 Call Loans claims to offer low interest rates on all loans. However, due to the nature of its shorter-term loans, the rates you will get will likely be higher than you might see with other lenders. But, this generally balances out since you'll be paying off your loan much faster than you might with another lender with lower interest rates.

Instant Online Approval

1 Call Loans states that every borrower can apply for a loan in 2 minutes and receive funding within 30 minutes of approval. This is very fast in comparison to other personal loan lenders.

Every potential borrower is eligible for instant online approval regardless of their credit score and 24/7 live customer service is available.

Available in all 50 States 

1 Call Loans services are available in all 50 states and the District of Columbia. 

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The Bad

  • Undisclosed Rates
  • Minimal Upfront Information

Undisclosed Rates

1 Call Loans does not disclose any interest rate information or range on its website. The company claims to have low rates, but this is not backed by any numbers. 

Without rate information, it can be difficult to know if financing a loan through 1 Call Loans is the best option for you. It is likely that interest rates will be higher than you might see with other lenders due to the fact the the company offers loans to borrowers with little or no credit, and it offers small loan amounts with short loan terms.

Little Upfront Information

In addition to undisclosed rates, there is also a lack of information on the 1 Call Loans website regarding funding, fees, and other relevant personal loan topics.

If you would like more information, you will likely first need to apply for a loan in order to see customized rates and terms based on your personal information and credit score. 

There is no other company contact information available on the 1 Call Loans website, making it difficult to find answer to questions.

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The Bottom Line

The services that 1 Call Loans offers are seemingly very flexible and a good option for low-credit borrowers, but a lack of upfront information on the website makes it difficult to know exactly what you're signing up for when applying for a personal loan.

Due to this lack of information, and inability to contact a 1 Call Loans representative upfront, we would recommend looking into other personal loan lenders for your borrowing needs.

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Star Rating

5.0

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10 Reviews

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4 grade

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3 grade

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2 grade

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1 grade

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BTutlle95 Gainesville, FL

I was struggling to find a loan anywhere after my car broke down, but 1 Call Loans finally helped me get what I needed when I couldn't find it anywhere else. They were there every step of the way to make sure I could find funds, and it was a relief to have them there. It's a relief to know that they're still out there if I need them again.

1 year ago

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June D Gainesville, FL

What I like best about the company is that they are not loan sharks. the online application was fast and easy and I received more than I bargained for , but this really helped me out with all the overdue bills I was behind on due to my job cutting hours.

1 year ago

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amanda Gainesville, FL

1 call loans was a quick fast and easy. I was approved for my loan and they went through all the fees and payment schedule with me. when I was finished I knew exactly what I was looking at in fees and everything else I would defiantly recommend them and use them again.

2 years ago

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Jayda Johnson Gainesville, FL

It was amazing I got a 3 month payday loan but it was like a monthly installment loan because I got a 5000 dollar installment loan approval guaranteed monthly payments too. They even call to check in with me and make sure everything went well I got cash that I need desperately for a pet surgery in just 1 hour.

2 years ago

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John Cash Beverly Hills, CA

I was able to get my money in just one hour without the 1 Call. I assumed the name meant someone would call me but I got approved online filled out one extra form and got approved.

3 years ago

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TheBest BulletproofVest Okeechobee, FL

I applied and got a personal loan without having to fax or talk to anyone over the phone. I thought it would be over the phone but I just applied and got approved immediately. It was actually really easy.

4 years ago

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Kathleen Nuno Gainesville, FL

The loan came through the same day, which is a lot quicker than I expected it to be. I got approved online right after I applied too, so all is good in my book

2 years ago

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Courtney Jones

Great experience, I got a 5000 dollar loan and approved online immediately after apply. There was no credit check or middle men to deal with. I really liked how easy it was.

3 years ago

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Miranda Beverly Hills, CA

My experience was fast and easy I got a 1000 dollar direct loan in just one hour with no credit check or any paperwork, super fast.

3 years ago

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Jameson Port Saint Joe, FL

I got my loan immediately it was super fast and easy I didn't even have to talk to anyone

3 years ago

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