Quick Easy Loans

How it works

Here at Modo we work hard to make sure that our process is as smooth and simple for you as possible. We understand that there is never a right time for those unexpected expenses to appear. You'll find our process only takes a few steps and can be completed fully online in minutes.

Get a loan quote Am I eligible?

Complete our easy online request

It only takes minutes to complete, and all FICO credit scores are welcome.

Get a fast decision after submitting your application

If you are connected with a lender, you will receive an offer from that lender with the terms and conditions of the loan

Sign the paperwork and receive your funds

Most of our panel can fund you either same day or next business day.

Just a click away

Get a fast quote

How much do you need? $

Am I eligible?

APR can range between 4.95% to 35.99% APR.

Why Use Modo

It couldn't be an easier decision

No fees, no obligation, no worries

No fees

Our services will always be provided free of charge.

No paperwork

Complete your loan request in just a few moments.

No obligation

Get a quote in just a few clicks with no obligation.

All FICO scores welcome

Save on multiple credit searches that negatively impact your FICO score.

Quick transfer

Once approved, receive your funds either same day or next business day.

Flexible terms

Borrow for up to 24 months and repay with easy monthly installments.

Need Help?

Frequently Asked Questions

How much can I borrow?

This amount depends on the lender who issues the loan, but typically amounts range from $250 to $3000.

What can I use the loan for?

There are no limitations for what you can do with your personal loan! People generally get personal loans to help with home repairs, a vacation or an unexpected expense.

I have poor credit, can I still apply?

Yes, we have many lenders in our panel that work with customers who have less than perfect credit or no credit at all. What's more, by accepting a loan offer you may improve your credit score when you make your repayments on time. Many of our lenders report to the main credit reference agencies who will report your on-time payments. Be aware though that they will also report late or missed payments so please don’t request a loan if you cannot afford to repay it

See more frequently asked questions

Disclaimer

Possible Implications

When borrowing, it is important to understand the implications that may happen if you do not adhere to the terms and agreement of your loan. We have listed here the possible implications and stress that you fully read and understand the terms of any loan offered to you before making a final decision to proceed.

Late or Non Payment

By accepting the terms and conditions for a personal loan, you essentially agree to repay the loan both: 1) with interest and 2) in the time frame specified in the loan agreement. In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges. Modoloan.com has NO ability to predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment. Modoloan.com also has NO control or knowledge of any loan agreements or details between you and your lender. Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. Modoloan.com works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.

Credit Score Impact

Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

Collection Practices

Modoloan.com is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. Modoloan.com only works with reputable lenders who use fair collection practices.

(*) – Three minutes is the average time taken to complete the online loan offer process, submit your details and receive a loan offer decision if approved.

(**) – Although some providers offer rates from 4.95% up to 35.99% APR rates that low are only available to certain customers. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.