Get the money you need, when you need it.
Request $100 to $5,000 with one short, secure form. Lenders in our network review your request and may present an offer, with repayment terms from 3 to 36 months.
Get Started Now- Free to use
- Takes about 2 minutes
- Funds as soon as the next business day*
Three easy steps
No paperwork to mail, no lines to stand in.
Submit your information
Fill out our short, secure form. It takes about two minutes. Start now.
Lenders review your request
Lenders in our network review your information and may present you a loan offer.
Get funded
If you accept an offer, funds can be deposited directly to your bank account, often as soon as the next business day.*
Helping hardworking Americans through tight spots.
Life doesn't wait for payday. A car repair, a medical bill, or a late paycheck can throw anyone off track. American Spirit Loans makes it simple to reach lenders who may be able to help, with one short form instead of a dozen applications.
We take your privacy seriously. Your information is encrypted, shared only with lenders and partners for the purpose of finding you a loan, and never sold for unrelated marketing.
Who can request a loan?
Most applicants who meet these basics can submit a request:
- Have a job or regular source of income
- Earn at least $800 per month
- Are 18 or older and a U.S. resident
- Have a checking or savings account
Other requirements may apply. Meeting these does not guarantee approval.
Questions, answered
How can I reach customer service?
Email us anytime at info@americanspiritloans.com, or write to IM Group LLC, 100 Friars Boulevard, West Deptford, NJ 08086. We reply within one business day.
How do I qualify?
- Currently have a job or receive regular income
- Make at least $800 per month
- Are 18 or older and a U.S. resident
- Have a checking or savings account
- Other requirements may apply
I submitted my information. How will I know if a lender was found?
If a lender in our network is able to make you an offer, you'll usually be contacted or directed to that lender within a few minutes. Some lenders may call to confirm your details. If no lender is available, we'll let you know.
Is American Spirit Loans a lender?
No. American Spirit Loans does not lend money or make credit decisions. We pass your request to lenders and lending partners who may make you an offer. If you're matched, you may be asked to complete additional forms on the lender's website.
Will checking my options hurt my credit?
Submitting a request through our form is free. Lenders may check your credit, including through national credit bureaus, before making an offer. Check each lender's terms for details.
Why would a lender need my bank account?
Lenders deposit approved loans directly into your bank account and typically use the same account for repayment. A checking account is preferred, but some lenders accept savings accounts.
APR disclosure and range
American Spirit Loans is not a lender and does not control the rates or terms a lender may offer you. The information below is a representative range based on information from lenders who may participate in our network. Qualified consumers may receive APRs from 5.99% to a maximum of 35.99%, with repayment terms from 3 to 36 months. Your loan amount, APR, and term will depend on your creditworthiness, your state, and the lender. Some lenders and loan products are not available in every state.
Examples of costs and APR
For illustration only. These examples assume no origination fee and fixed monthly payments, and may not reflect the actual offer you receive.
| Loan amount | APR | Term | Monthly payment | Total of payments | Total cost |
|---|---|---|---|---|---|
| $500 | 35.99% | 6 months | $92.30 | $553.80 | $53.80 |
| $1,000 | 29.99% | 12 months | $97.48 | $1,169.76 | $169.76 |
| $2,500 | 24.99% | 24 months | $133.42 | $3,202.08 | $702.08 |
| $5,000 | 18.99% | 36 months | $183.25 | $6,597.00 | $1,597.00 |
Representative example
If you borrowed $1,000 over 12 months at 29.99% APR with no fees, your monthly payment would be $97.48, for a total of $1,169.76 repaid and a total cost of $169.76.
Late and non-payment
Missing a payment may result in late fees, additional finance charges, collection activity, and reporting to credit bureaus, which can lower your credit score. Lenders' policies vary, so review your loan agreement carefully before signing. If you're having trouble repaying, contact your lender right away.