Loan Basics

Learn the language of loans. From key credit ratios to the various types of loans that you or your business can obtain to help you grow.

How to get an Emergency Loan to Pay Rent

September 29, 2021

In case you're struggling with finances and can't afford the rent, read this article to learn how an emergency loan might help.

Interest Rates 101

May 10, 2021

What is interest rate? In the most basic terms, interest rate…

Is It Better to Pay Minimum Payments on a Loan?

April 26, 2021

Should I only be making minimum payments on a loan? While…

Why You Should be Paying Off a Loan Early

April 14, 2021

Does paying off a loan early hurt credit? Paying off a loan…

Payday Loan vs Installment Loan

March 10, 2021

If you're in an emergency situation and need to borrow money,…

What Type of Loans Is Right For You

June 21, 2019

If covering an emergency expense would drain the savings you’ve carefully squirrelled...

Loan Stream

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*Funding Times: In most cases, funds will be deposited into your bank account the business day after your application has been processed and approved, if you meet your lender’s cut-off times. To avoid delays, respond to communications from your lender as soon as possible. Please note that each banking institution has its own procedures regarding how/when transferred funds are released to their customers. These procedures may delay access to funds transferred by your lender.

Customer Notice: LoanStream LLC is not a lender or a broker. LoanStream LLC works with a network of lenders offering short-term loans. Loan terms, including loan amounts, repayment terms, and transfer times, vary among lenders and may be dependent upon the laws of the state in which you reside. Some lenders may require documentation provided via fax or email. If you are connected with a lender, you may be directed to a third-party website whose Privacy Practices and Terms of Use may significantly differ from our own. You are encouraged to read your lender’s Privacy Practices and Terms of Use. Short-term loans are intended to provide consumers with short-term financing and should not be considered a long-term financial solution. Only borrow an amount you know you can repay without undue financial strain. Consumers facing debt and credit difficulties should seek out debt and credit advisory help.

Legal Disclaimer: LoanStream LLC is not a lender or loan broker. LoanStream LLC is an advertising referral service to participating lenders that may be able to provide short-term loans up to $5,000. You will not be charged any fees for using LoanStream LLC’s services. Not all lenders can provide loans up to $5,000, and there is no guarantee that you will be accepted by a participating lender. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.

This service does not constitute an offer or solicitation for loan products that are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. LoanStream LLC does not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited.

LoanStream LLC does not control and is not responsible for the actions of any lender. LoanStream LLC does not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan, please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments, and the implications for non-payment or late payments.

You are under no obligation to use LoanStream LLC’s services to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

APR Information: Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. Loanstream cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.

Representative Example: If you borrow $5,000 and the loan had an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.

Availability: Residents of some states may not be eligible for a short-term loan based upon lender requirements. LoanStream LLC does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. LoanStream LLC reserves the right to change the availability of these offers and services at any time without notice

Credit Implications: By submitting your information through this website, you are agreeing to allow third-party lenders and lending partners in our lender network to verify your information and check your credit. Participating lenders that you might be matched with may perform credit checks through Experian, Equifax, Trans Union, or through alternative providers to determine credit worthiness, credit standing and/or credit capacity. LoanStream LLC does not make any credit decisions.

Repayment terms may be regulated by local, state, and/or tribal laws. Late payments of loans may result in additional fees, collection activities, or both. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your credit rating. Each lender has their own terms and conditions, late payment, nonpayment, and renewal policies. Please review your lender policies carefully before entering into any agreement.

These disclosures are provided to you for information purposes only and should not be considered legal advice. The use of this service is subject to this site’s Terms of Use and Privacy Policy.