Check how much you qualify for. FAST. No credit hit.*

Checking how much you qualify for, will NOT affect your credit score.*


Check how much you qualify for. FAST. No credit hit.*

Checking how much you qualify for, will NOT affect your credit score.*

  • 97% 97%


97% of applicants were approved for a loan in 2020

And you can get funded in minutes…

Minute Money can fund instantly to most major debit cards, helping you get funded fast when you need it. – if your bank does not accept the Minute Money transaction, we’ll provide a FREE ACH transfer¹.

How it Works:

Getting a short term loan at Minute Loan Center is fast and stress free, whether you apply online² or in store.

Fast Application

Simple form, takes just minutes

Quick Approval

Receive approvals fast

Instant Funding

Get funded as fast as just minutes

²Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply. If we are unable to verify your application electronically, we may ask you to provide certain documents before final approval.

Be a VIP at Minute Loan Center

We craft our loan offerings around you as a person, not a credit score.

Clear Rates & Fees

Easy to understand with no hidden charges. Our mission is to make sure you are treated the way we would want to be treated.

24 Hour No Risk Guarantee

Simply return all the funds within 24 hours and you owe nothing.

Perfect Credit Not Needed

Life happens. Don’t worry if your credit isn’t perfect, we’ll treat you with respect and work hard to earn your business.

Bank Level Security

Privacy and security matter. That’s why we use bank-level security protocols.

Why Minute Loan Center?

We’ve been a leader in solving short-term cash crunches for over 25 years.

When the majority of Americans don’t have $500 to cover an emergency³, we are there to provide a better solution than PayDay Loans.

We are a state-licensed direct lender.

State Licensed Direct Lender

We can service you, your way!


Online Devices

Whether online, on the phone or in-store*, we provide more easy ways to apply, get funded and service your account. We are always innovating new ways to make life easier for you.

*Retail locations with complete online servicing available in Delaware, Mississippi, Nevada and Utah.
Online servicing available in Missouri and South Carolina, with our fully caffeinated service team available from 9 am EST to 10 pm EST Mon-Fri and 9 am to 8 pm EST on Saturday.

Online Lenders Alliance

We are an active member of the OLA (Online Lenders Association). A trade association that requires all members to maintain their code of conduct and best practices. More info…


Safe & Sanitized Environment

We provide best-in-class online loan and funding opportunities, so you can apply and manage your account wherever you are.
Want to visit? Our retail locations follow Center for Disease Control guidelines to provide a safe & sanitized environment.   Learn more…

Live better with Minute Loan Center

Minute Loan Center VIPs can:

SAVE more

MLC Coupons gives you access to thousands of offers from major merchants and local stores, in-store and online.

EARN more

MLC Share helps you EARN money by referring friends and family.

GET more

First Avenu provides access to unique products and fun vacations with simple payments.

Best of all, you do not need to request or have a loan in order to have access to these VIP services, just register on our website or our APP today!

Who We Serve

Most Americans need better access to credit.

A More Flexible Option:  The Minute Loan Center Line of Credit

A Minute Loan Center Line of Credit Line is more flexible than installment loans, payday loans or title loans.

1) Apply once, use the funds when you need them

2) Generally offers larger credit amounts and lower payments.

A Line Of Credit lets you apply once and access as much of your credit limit as you need it, when you need it.

Currently available in Delaware & Utah.

Installment Loans by Minute Loan Center

An Installment Loan:

1.) Allows for larger potential credit limits than other types of short-term loans such as Payday loans.

2.) Longer time to pay down the loan.

3.) Every payment pays down part of the amount borrowed, so you are always paying down your loan with each and every payment.

4.) Always know how how many payments are due, how much you owe, and how much it will cost.

How much you can borrow and how much it costs are determined by many factors including state regulation, your ability to pay and other underwriting features. For many, an Installment Loan provides a better credit solution than a traditional payday loan. With so many people in need of a responsible short-term loan solution, an Installment Loan can be a better solution than a payday loan.

How Do I choose?

If you are in a state with both products available, it is natural to ask, how do I choose between an installment loan and a line of credit?

Installment Loan

1) You have a short-term need.

2) You know exactly how much you need to borrow.

Line of Credit

1) When you want to have access to funds, but do not know how much you need.

2) Want the comfort of knowing you have access to funds for an emergency without having to apply each time.

Payday Loans can seem like a good option when faced with a short-term cash crunch. But there are better options.

When faced with a short-term emergency, many people turn towards Payday Loans. Payday Loans however, are generally limited to smaller amounts and must be paid off on your next pay day. If you cannot make the payment, many lenders have you pay the fees on your loan and issue you a new one to pay the previous one, and on and on.

This creates two significant challenges.

1) You may not be able to find a payday loan to borrow as much as you need.

2) The balloon payments mean you can end up paying for a loan that you aren’t paying down.

Our installment Loan and Line of Credit products solve these problems by providing more time to pay, options to borrow larger amounts, no balloon payments and never a penalty for paying early.

1) Does not apply if customer information is not accurate or if there is a bank error preventing the transfer. Standard ACH fees may apply. Not all banks accept Minute Money, if your bank does not, you will receive an ACH transfer which could fund as early as same day or the next business day.

3) Picchi, Aimee. “A $500 Surprise Expense Would Put Most Americans into Debt.” CBS News, CBS Interactive, 12 Jan. 2017,

When we extend credit, we provide a credit agreement and related disclosures that contain important information about the cost and terms of credit. This licensee cannot use the criminal process against a consumer to collect any deferred deposit transaction. For example, our credit agreement and related disclosures will disclose when payments are due, any fees due if a payment is late or returned to us unpaid by your financial institution, and the finance charges due for the extension of credit. Loans are not renewed automatically. Whether you have the option of renewing a loan can vary based on factors such as state law, our credit policies, and the type of credit you request. The fees we may assess and other conditions that apply if you ask to renew a loan will be described in the credit agreement and related disclosures. Click here for more details about our consumer loan products and where they are available.

* Certain limitations apply. All loans subject to approval pursuant to Minute Loan Center underwriting criteria. Minute Loan Center does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity Services Inc and will reflect as such on your credit report. Due to state and verification requirements, not all applicants for on-line request may be eligible for on-line approval by Minute Loan Center. Some customers applying for Minute Loan Center loans may be required to submit additional documentation due to state law and qualification criteria. See your local store for more details and additional disclosures or visit the Products page for more details.

** Terms and conditions apply. In-store cash pickup not available in all states. Checks or alternative funding options are available and may be issued instead of cash. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two business days. Terms and actual APR may vary based on various factors such as state, loan term, loan product type, additional fees and/or other underwriting considerations including credit qualification on certain products.

Our efforts to collect past due accounts will be conducted in a professional and fair manner that complies with applicable law. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. For customers having difficulty repaying their loan, repayment plans may be available and vary by state. For additional information, please contact your nearest store location.

Personal loans should be used only for unexpected financial needs, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Delaware Residents: Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. See licenses.

MLC OF UT, LLC is licensed as a supervised lender by South Carolina’s State Board of Financial Institutions pursuant to the South Carolina Consumer Protection Code, §37-3-101