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.
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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.
15M Finance offers a variety of loan types, facilitated by its lenders. The company offers the following types of 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.
15M Finance doesn’t charge for its services. However, you will be responsible to pay interest to your lender on your loan.
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:
15M Finance is headquartered in Austin, Texas, but the company has various office locations in the following states:
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.
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.
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.
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