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You must be at least 18 years old (19 if residing in AL or NE) and have:
- A job or proven source of income
- An email address
- An active and valid checking account
- Reside in a state in which Atoske Loans does business
All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it’s quick and hassle-free.
After you submit your online application, your results will be available in a matter of seconds. If conditionally approved, subject to verification of your application information, you will be able to request how much you want to borrow up to your maximum approved amount. In the event we are unable to approve your application for credit, we'll notify you with the reason for denial.
If this is your first loan, you could qualify for $300 up to $5000. See Loan Cost & Terms for additional information.
If your application is approved and verified by 6 p.m. ET, we can electronically deposit your loan proceeds into your bank account as early as the next business day. Alternatively, you can request that we send you a paper check via the USPS, which will take approximately 7-10 days for delivery.
Your loan's total cost depends upon the amount that you're approved for and your payment history. For example, the Annual Percentage Rate (APR) for a loan of $700 is 364.00% with 14 bi-weekly payments of $116.63. See Loan Cost & Terms and for more details.
It is your responsibility to make your loan payment by the due date, but we make it easy for you to avoid being late or missing a payment. You can schedule automatic electronic payments from your checking account or provide payment in one of the following forms (debit card, check, or money order). If you do make a late payment, skip a payment, or a payment is returned to us, you may incur additional fees. If a payment is returned, we may submit the payment to your bank for reprocessing. If you are unable to make your scheduled payment, please contact Customer Support.
Keeping your financial and personal information safe is one of our most important responsibilities. Instant Capital Advance has taken a number of measures to keep our process completely confidential and secure. Please review the details on our Security page. And if you have additional unanswered questions, please contact us.