How It Works
Requesting a personal loan is easy with ThinkWallet.com. Fill out one easy form on ThinkWallet.com and your inquiry will be submitted to our large network of lenders or lending partners. Loan amounts range from $2,500 to $35,000 (exact amounts vary based on lender or lending partner programs and your state of residence). You can have a response from one of our lenders or lending partners the same day, and often within minutes. You may be redirected to the lender’s or lending partner’s website. There you may have the opportunity to start your application, and review the terms of the loan, including details about applicable rates and fees. If you accept these terms, the lender or lending partner will deposit money directly into your bank account as quickly as the next day.
Most lenders or lending partners have the following requirements to be approved:
To be accepted by most lenders or lending partners in our network, you should:
- Be employed at your present job for at least 90 days.
- Be a US citizen or a permanent resident, and over the age of 18.
- Have an income of around $1,000 per month after tax deductions.
- Have a checking account in your name.
- Provide a working telephone number for your home and work.
- Provide a valid email address.
Quick Inquiry Process
Through our secure technology, we will find a lender or lending partner in our network that is willing to take work with you based on the information you submit. Once we have a lender or lending partner ready to work with you, that lender or lending partner will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).
Cash Sent Directly to You
After your lender or lending partner has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.
Private and Secure
We use industry-recognized security and advanced encryption technology to protect your personal information.
If you authorize your lender or lending partner to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.
Late payment policies can differ among lenders or lending partners. Please make sure you read and understand the loan agreement and your lender’s or lending partner’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender or lending partner to charge late fees and may accelerate the loan making it due in full immediately.
NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of personal loans and recognize that nobody knows your situation better than you.
State law may limit or prohibit a lender’s or lending partner’s ability to extend or "roll over" your loan. Consult with your lender or lending partner if you need a loan extension.
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.