Our process is as easy as 1-2-3!
Fill out our simple form which takes just a few minutes.
Lenders are quick to respond and will reach out to you as soon as they receive your request.
If your request is approved by the lender, the funds may be directly transferred into your bank account in as soon as the next business day.
Our long list of lenders aren't rigid when it comes to credit history/score. By requesting for a loan via brighterloan.com, you might get an offer depending on the discretion of the lender. However, we don't guarantee you an acceptance of bad credit as it is completely at the discretion of the lender.
Disclosure:Our lenders may run credit/background checks via methods of their choice
Receive the money in your checking account as soon as next business day, if approved.
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, is not a loan broker, and does not make lending decisions on behalf of lenders. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender who makes short-term cash loans to borrowers who meet its lending criteria. Providing your information on this Website does not guarantee that you will be approved for a short term cash loan. The operator of this Website is not an agent, representative or broker of any lender and does not endorse any particular lender or charge you for any service or product. Not all lenders can provide the maximum amount advertised. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Short term cash loans are meant to address immediate cash needs and are not a long-term solution for financial problems. Residents of some states may not be eligible for a short term cash loan based upon lender requirements.
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Agreement and Acknowledgment
BrighterLoan is proposed to be used just by individuals who are over the legal age of 18 and individuals who are legal US citizens. We ask you to take a couple of minutes to survey these terms expressed in this present Privacy Policy. By consenting to use BrighterLoan's services you are consenting to the policy expressed here. On the off chance that you aren't in agreement with the terms of this policy or as of now are under the legal age of eighteen (18) or not a US resident at that point please shun from using our services.
Change notification to BrighterLoan Privacy practices
We unequivocally claim our authority to refresh our Privacy Policy keeping in mind the end goal to mirror these changes we need to make to our current information practices. If changes are made to BrighterLoan information practices this privacy policy will be reconsidered. We encourage you to dependably audit and read our privacy policy each time you visit this site or choose to use our services.
Information We Collect
In the course of using this Website, we may collect personal information and data to (i) present you with financial products and/or other offerings that you seek; (ii) present the contents of this Website to you; (iii) deliver services that you have requested; (iv) communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, and/or other third parties; (v) display advertising tailored to you interests or background; (iv) perform data and statistical analysis from your use of this Website; (v) enforce our Terms and Conditions; and (vi) perform any other functions otherwise described to you when you provide us with your information.. Any collection of personal information or data through this Website is performed with your consent.
Personally Identifiable Information. We may collect Personally Identifiable Information ("PII") that you directly provide to us that can identify you, including, but not limited to, your first and last name, physical address, telephone number, cellular number, social security number, email address, date of birth, driver’s license number, state of residency and information pertaining to your bank account.
Non-Personally Identifiable Information. We also collect information automatically as you navigate through this Website. We use log files and cookies to collect Non-Personally Identifiable Information ("Non-PII") including, but not limited to, the IP address of the computer or mobile device making the request, browser type and the times you access this Website and usage details. Please note that IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. Consequently, IP addresses are not linked to personally identifiable information.
Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive.
How We Use Your Information
We use the information that we collect through your interaction with this Website as well as information that you provide to us, including personal information. This information is used (i) to present the contents of this Website to you; (ii) to deliver services that you have requested; (iii) to determine whether to extend an offer to become an Affiliate or Advertiser in our Network; (iv) to communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, or other third parties; (v) for display advertising tailored to your interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Condition; and (viii) to perform any other functions otherwise described to you when you provide us with your information.
Disclosing Your Information
As a general rule, we will not share, sell or otherwise distribute your personal information without your consent. However, we may disclose personal information that we collect or you provide as described in this Policy (i) to fulfill the purpose for which you provide your information; (ii) for any other purpose disclosed by us when you provide us your information; (iii) to third party service providers who assist us in operating this Website, conducting our business or serving our users, so long as such information is kept confidential; (iv) with affiliated entities; (v) to comply with any court order, law, legal process, and/or government or regulatory request; (vi) as part of a liquidation or bankruptcy proceeding, to a buyer or other successor in the event of a merger, reorganization, dissolution or divestiture of some or all of our assets.
Data Retention and Security
By accessing and navigating through this Website, you hereby acknowledge and agree that BrighterLoan may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.
Commitment to Online Security. BrighterLoan uses reasonable efforts to protect the security of your personal information and encrypt sensitive information such as your social security number, driver license number and bank account information. Although we strive to provide reasonable security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.
No Liability for Acts of Third Parties. BrighterLoan will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, BrighterLoan shall not be liable for unauthorized disclosure of personal information due to no fault of BrighterLoan including, but not limited to, errors in transmission and unauthorized acts of third parties.
Opt-out
We may collect information about you particularly your email address from sources other than you, such as from social media websites (i.e. Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.
If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.
LINKS TO THIRD-PARTY WEBSITES
Our Website, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to request for a product such as a loan via brighterloan.com , you may be linked to a third-party website to complete a request. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, requests, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties.
Information Sharing with Affiliates
When you put in a request for a quote or information you are in fact granting BrighterLoan or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your BrighterLoan account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.
Push Notifications
We may send push notifications or alerts to your device. We use push information to send you notifications related to offers. At any time, you can manage your push notification preferences or deactivate these notifications at any time by turning off the notifications in the browser settings of your device.
We all need a bit of extra funding every now and then, but there comes a stage in our lives when we have to take a bold move, to get what we aspire and payday loans don’t come handy in such situations. We will help you connect with a lender and, if approved, funds may be available as soon as the next business day.
BrighterLoan connects you with a lender. Fast-lender approval as quickly as possible! No discomfort, no hassle, no problem!
If you are connected with a moneylender, he will connect with you to complete the procedure, review the terms of your advance and examine repayment and expansion alternatives. The money will be electronically transferred into your account. We don't charge any expenses for connecting you with a lender.
It would be ideal to check Terms of Use for extensive information regarding the service policy of BrighterLoan.
BrighterLoan is not a moneylender and does not make advances or credit choices. BrighterLoan merely gives a connecting service and is not a delegate, operator, or correspondent for any specialist organization or lender. You are under no compulsion to use BrighterLoan's service to contact with, fill credit from, or accept any loan offer from any service provider or lender. This service is not available in all states.
BrighterLoan doesn't charge any fee for submitting a loan request. BrighterLoan is not a loan giver and does not lend money. In light of the data you submit, BrighterLoan will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.
In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.
In the event that you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to BrighterLoan. The loan cost and loan fees you consent to are set exclusively by the moneylender and not BrighterLoan.
BrighterLoan does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, BrighterLoan does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not BrighterLoan's.
Loan terms may vary depending on the lender that you are connected with. This website does not constitute an offer or solicitation to lend. We at BrighterLoan try our best to connect you with the most suitable lender, however approval for funding/loan is not guaranteed and is fully determined by the lender. The form on the website will not be considered as an application for a loan and brighterloan.com will share PII with third-parties for the purpose of connecting consumers with lenders. Third-party provider may conduct credit checks related to the user's request. brighterloan.com will not charge any fee or remuneration from the user of this website, however the operator of this website is compensated by lenders for connecting consumers with lenders.
If you have a question, comment, or opinion about anything on this site, or if you’d like to submit a review or complaint about a lender, please use the form below. We appreciate any and all feedback, and we respect your privacy.
2885 Sanford Ave SW #47456 Grandville, MI 49418
Phone : +1-844-368-6075
Email : info@brighterloan.com
- Should be employed in your current position for at least 90 days
- Should be older than 18 years of age, should be a US citizen or a permanent resident
- Should have a minimum income of $1000 each month after tax deductions
- Should have a valid email address, work and home phone number.
You could be eligible to any amount up to $35000. The approved amount will be determined by the lender. Having a working email address, work telephone number and home telephone are some of the usual prerequisites for getting a loan.
Yes, you could still get it despite bounced checks, bankruptcy and credit related issues.
It could take as few minutes to process the duly filled form. You could get your loans after approval within the next business day.
You should have printer so as to print out the loan documents. Also the lender who receives your request will also require you to fax over the data to him. Data such as your bank statement and a compensation stub should be faxed over.
There is no cost to use BrighterLoan. The fees of the loan will vary depending upon the amount and the lender. The lender will inform you of the fees for the loan which may vary depending on the lender.
Yes, regardless of the possibility that you have another outstanding loan you may be able to still qualify. In any case, you should make certain to disclose this outstanding loan to the lender.
Both the loan fees and the sum is debited from your bank account once the due date comes. This saves you from visiting any store. An extension can be requested by reaching your lender before the due date. Nevertheless, there will be extra fees which apply to the extension.
There are distinctive policies set by various lenders in our network. It is advised that you check the policies relating to late instalment frequently found in the lender's documentation before inserting your e-signature on that archive. Many states have laws that direct how much lenders are permitted to charge for late instalment.
We use state of the art technology and security systems. All your private information is kept securely in an encrypted format to ensure your security and privacy.
The state laws on this vary, if a lender can allow you an extension frequently alluded to as a 'rollover'. While some states take into account different rollovers, others don't permit it whatsoever. You should ask your lender about anything concerning rollovers/extensions. Also reach your lender with an extension request before the due date of your instalment. In the event that you don't do it in time the lender will charge you extra expense and ask for prompt instalment of the rest of the adjust. Also extra fees and different charges might be imposed on you in the event that you default.
Lenders are free to pursue collections after the due date of their accounts to the fullest lawful extent. You may have to face lawsuit/charges and extra fees in the event that you don't reimburse in time.
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Effective Date: June 1, 2021
Your Rights Under the CCPA.
General Information
If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summarizes the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.
Categories of Personal Information We Collect
We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device ("Personal Information"). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health-related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.
We collect the following categories of Personal Information:
Categories of Sources of Personal Information
We collect information from the following categories of sources:
How We Share Your Personal Information
We share information in each of the above categories as follows:
How We Use Your Information
See "What We Do with the Information We Collect" above to learn how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
How We Retain and Store Your Personal Information
We retain your personal information for as long as necessary to fulfil the purpose(s) for which we collected it and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage.
Requests to Know
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
Requests to Delete
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Authorized Agent
California residents can empower an "authorized agent" to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority
How to Submit Your Request for Specific Information
You can request access to specific information we have about you by sending an email with the Subject Line "CCPA Right to Know" to info@brighterloan.com or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information.
You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line "CCPA Right to Request or Delete Information" to info@brighterloan.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Opt-Out of Sale of Your Information.
Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line "CCPA Do Not Sell My Information" to info@brighterloan.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT SELL MY PERSONAL INFORMATION
However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested
Your request is submitted successfully.
We’re focused on transparency so you know exactly where you stand at all times.
BrighterLoan has no control over loan rates
The rates and fees pertaining to your funds will eventually be controlled by your lender. It is the objective of BrighterLoan to assure that you will deal with those lenders who comply with the Federal and state lending rules. Along the same lines, we give a lot of information to enable you to tackle any issues that may emerge with the lender you select.
There are repercussions of late payments or default payments
The most critical thing that you should comprehend as a borrower is an implication of making late installments on your credit. Although every lender whom we work with has its own particular terms and conditions for the advances they offer, however, there are some late-installment repercussions that you ought to know before entering into a loan contract with the lender.
Perusal of clauses in the contract is must
It is vital to comprehend the penalties and installment choices for the particular lender that you are associated with and to ensure that you totally comprehend their policies.
IT IS TO BE NOTED THAT THIS CONSENT IS REQUIRED BY LENDERS WITH WHOM YOU WILL BE CONNECTED. THIS CONSENT DOES NOT BY ANY MEANS BRING THE OWNER OF THE WEBSITE INTO AN AGREEMENT (BETWEEN YOU AND OWNER) THAT IS GOVERNED BY THE COURT OF LAW. THE OWNER OF THIS WEBSITE DOES NOT GUARANTEE OR ASSURES ANYTHING AFTER THIS CONSENT COMES INTO EFFECT. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.
Please read this information carefully and print a duplicate and/or retain this information for future reference.
Introduction
In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender notifies you of your rights when receiving electronic disclosures, notices, and information. By tapping on the link/ button assenting to this notice, you acknowledge that you received this E-Consent and that you consent to direct transactions utilizing electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records
You may request any Disclosures in paper by contacting the third party lender directly. The lenders will provide paper copies at no charge.
The scope of Consent
The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, advanced mobile phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact amid every single online interaction with you electronically. The lender may likewise send you notices electronically related to its interactions and transactions. Disclosures might be provided online at our or third-party lenders' websites and might be provided by e-mail.
Consenting to Do Business Electronically
Before you decide to work together electronically with the third party lenders, you ought to consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements
To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:
Withdrawing Consent
Your E-Consent for our third-party lenders' consideration of your coordinating request can't be pulled back because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to pull back your E-Consent with those third-party lenders whenever and at no charge. However, in the event that you pull back this E-Consent before receiving credit, you might be prevented from acquiring credit from that lender. Contact the third party lender directly on the off chance that you wish to pull back this E-consent. If you decide to pull back this E-Consent, the legal effectiveness, legitimacy, and enforceability of prior electronic Disclosures won't be affected.
Change to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update via mail.
YOUR ABILITY TO ACCESS DISCLOSURES
BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
CONSENT
BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.
BrighterLoan doesn't charge any fee for submitting a loan request. BrighterLoan is not a loan giver and does not lend money. In light of the data you submit, BrighterLoan will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.
Acceptance of offer and E-Signature
In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.
If you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to BrighterLoan.
Loan Acceptance Policy & Rates
BrighterLoan does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, BrighterLoan does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not BrighterLoan's.
Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site's third party vendors.
Credit Check
As stated, this website is not a party to the contract and it presents your loan request to a pool of lenders who may check your credit score and history for the purpose of accepting your loan request. It is wholly and solely at the discretion of lenders to approve your loan(as they may deem fit) and they are in no way answerable for rejecting a loan request to the applicants or to the BrighterLoan.
SMS and Auto Dialed Calls
By entering your contact information into BrighterLoan, you expressly request to receive information via telephone call, email and/or SMS/text message, including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS/text message, even if your telephone number is listed on any internal, state or federal Do-Not-Call registry list. You may opt-out by replying "STOP" to any message that you receive and you may requested additional assistance by replying "HELP". Up to 15 recurring monthly messages per month. Msg & Data rates may apply. T-Mobile® is not liable for delayed or undelivered messages. This service is provided through Short Code: 43858 & 34676
Supported Carriers
