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15M Finance

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LAST UPDATED: February 15th, 2024

15M Finance was founded in 2020 and is an online emergency loan service that connects consumers with lenders. The company is not a lender, but instead has a network of direct lenders through which consumers can get cash.

15M Finance’s loan providers don’t perform hard credit checks, and they also provide a variety of loan types: emergency loans, installment loans, and payday loans.

15M Finance is a registered Credit Services Organization in the state of Texas, but its services are available nationwide.

Continue reading to learn more about this payday loans company or jump down to read 15M Finance reviews from real customers.

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The Good

  • Lending Services for Low-Credit Borrowers
  • Variety of Loan Types
  • No Hidden Fees
  • Easy Online Application
  • Wide Service Area

Lending Services for Low-Credit Borrowers

15M Finance was created with the intention of helping individuals with bad credit scores get out of financial crises. Accordingly, many of 15M Finance’s loan provider partners don’t initiate a hard credit check when you apply for a loan. The fact that most 15M Finance lenders don’t do a credit check is beneficial because you could apply to multiple lenders, through 15M Finances, and your credit score will not be affected.

Variety of Loan Types

15M Finance offers a variety of loan types, facilitated by its lenders. The company offers the following types of loans:

  • Small dollar loans (under $1,000)
  • Loans up to $5,000
  • Direct deposit loans
  • No faxing payday loans
  • Cash loans
  • Bad credit loans
  • Holiday loans
  • Guaranteed payday loans
  • No credit check loans
  • One-hour payday loans
  • Emergency cash loans
  • Installment loans
  • Tribal loans

It is important to note that while 15M Finance offers the loans outlined above, the company’s lenders may not offer all loan options. In most cases, 15M Finance will provide you with lender options based on your needs; thus, pairing you with the lender and loan type that best suits your financial situation.

No Hidden Fees

15M Finance doesn’t charge for its services. However, you will be responsible to pay interest to your lender on your loan.

Easy Online Application

Applying for a loan is quick and easy on the 15M Finance website. You will need to provide contact and banking information, and meet certain eligibility requirements, such as:

  • Valid form of ID
  • Proof of income
  • Bank account statement or other proof that you will be able to pay back your loan
  • Valid email address and phone number

Wide Service Area

15M Finance is headquartered in Austin, Texas, but the company has various office locations in the following states:

  • Texas
  • Ohio
  • California
  • Missouri
  • Wisconsin

Based on information provided on the company website, it appears that 15M Finance’s services are available beyond the states listed above because the company offers a variety of online loan services, allowing the company to reach and assist more clients across the country.


The Bad

  • Not a Direct Lender
  • Limited Payday Loan Availability

Not a Direct Lender

15M Finance isn’t a direct lender, it connects you with lenders in its network. While this has some advantages, such as providing you with an opportunity to compare lenders and loan options, the fact that 15M Finance isn’t a direct lender has some drawbacks.

For instance, 15M Finance has no control over lender services, fees, etc. Thus, the company can’t guarantee the customer experience with any of its lenders.

Limited Payback Loan Availability

15M Finance offers a variety of payback loan programs. However, payday loans are restricted or prohibited in some states, so it is important that you check the legal status of payday lending in your state before pursuing this option.


The Bottom Line

15M Finance is a small loan or emergency loan service that connects you with direct lenders. The company doesn’t do any lending itself, instead it helps clients find the best lender and loan option for their needs, as well as offering educational services to answer any questions about emergency and/or payday lending.

15M Finance doesn’t charge for any of its services, but your lender may have fees and you will be responsible to pay that lender interest on your loan.

Before pursuing an emergency loan or payday loan it is important to understand how this type of lending works and to compare companies. 

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7 Reviews

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Jessie Rotter Chicago, IL

I used their loan agency recently for a personal loan. I want to share what that was like. Applying was easy to do. I liked how they clearly showed interest rates and fees. But it took longer than I expected to hear back

2 weeks ago

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Wilson Brandon Owensboro, KY

applied for a payday loan and couldn't believe how fast they approved me and the folks there answered all my questions and got me the money super quick. It really saved me when I was stressed about bills

3 weeks ago

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Skyla Homrich Austin, TX

their manager were clear about the­ir terms and conditions which was appreciated... loans they offer are affordable­ due to their competitive­ rates.

1 month ago

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Ricky Fox Utica, NY

predictable monthly payments made budgeting easy, and I completed my project without any financial stress

3 months ago

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Scot Adams Orange, TX

thought sliced bread was great, but dis loan is the best thing since! Quick cash, low-interest rates, and I'm on cloud nine.

4 months ago

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feng Boone, NC

found one that fit my budget perfectly, making it easy to manage my finances without feeling overwhelmed.

4 months ago

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Lisa Starr Henderson, NV

Grateful for their support in getting bigger loans

5 months ago