BackOnTrackLoans.com personal loans review November 2018 | finder.com

Short-term from loans BackOnTrackLoans.com

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Access cash quickly with a personal loan through BackOnTrackLoans.com

When emergencies happen, the last thing you want to do is to worry about how you’ll get the cash to cover it. With BackOnTrackLoans.com, you can benefit from connections with a large network of personal advance lenders after an easy, three-minute application.

Product NameBackOnTrackLoans.com
Min Loan Amount$100
Max. Loan Amount$1,000
Loan TermVaries by lender
Turnaround TimeVaries by lender
RequirementsYou must be at least 18 years old with a social security number and bank account. Your social security number is required to verify your identification and your bank account information is needed in order to receive your loan.

Pros

  • Quick, easy applications.
  • Offers fast cash with numerous repayment options.
  • Multiple ways to receive cash.

Cons

  • Required credit score varies by lender.
  • APR and terms vary by lender.
  • You must be at least 18 years of age
  • Have a regular source of income
  • You must have an active open bank account

This connection service works with lenders offering up to $1,000 — and borrowers with bad credit can apply.

The majority of people face a gap in their budget at one point or another. The stress can be even worse if you have bad credit and don’t have time to search for lenders. BackOnTrackLoans.com can connect you with a short-term lender that can help you make ends meet with loans up to $1,000.

What is BackOnTrackLoans.com?

BackOnTrackLoans.com is a short-term loan connection service that may be able to connect you with a lender within its network. You’ll only have to fill out one application, cutting down on wasted time when you’re looking for a loan that can help you cover an emergency or unexpected expense.

Unlike some other connection services that only work with online lenders, BackOnTrackLoans.com has lenders with physical storefronts in its network. This means you can choose to have money deposited directly into your bank account or pick it up at a branch location when its convenient for you.

Lenders in the BackOnTrackLoans.com network offer loans between $100 to $1,000. The specific rates you’re given will depend on your lender, which will also have its own list of terms and fees. If you’re connected to a lender, you’ll need to finish the application on its website.

What are the benefits of BackOnTrackLoans.com?

  • Quick application. BackOnTrackLoans.com has a simple and straightforward application that should only take most borrowers a few minutes to complete.
  • No fee to apply. Applying with BackOnTrackLoans.com won’t cost you. In fact, you shouldn’t pay any fees until you’re connected with a lender and complete an application.
  • Member of the OLA. The Online Lender’s Alliance (OLA) has a set code of conduct lenders follow in order to ensure your private information is kept safe and you aren’t subject to predatory lending practices.

What to watch out for

  • Hard to find contact information. BackOnTrackLoans.com doesn’t keep its contact information upfront. Instead, you’ll have to navigate to the FAQ and then fill out an email form. If you’d rather call, you might run into trouble — rather than having its own dedicated line, you’ll be redirected to a sister company, DollarConnect.
  • No connection guarantee. Although BackOnTrackLoans.com accepts applicants with bad credit, there’s no guarantee that you’ll be connected with a lender. And if you are, the lender may still choose to reject your official application.
  • Not for long-term issues. If you’re dealing with regular financial issues rather than an unexpected expenses, a short-term loan may not be the best solution. Instead, you should contact a financial advisor to go over ways you can adjust your budget to better handle regular expenses.

Apply directly for a payday loan with these trusted lenders

Rates last updated November 13th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
BadCreditLoans.com
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
$5,000
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashAdvance.com Payday Loans
Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
$1,000
1–2 business days
You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
$1,000
As soon as next business day
You must be a US citizen, at least 18 years old, and have a valid bank account.
LoanSolo.com Payday Loans
Potentially get connected with a legit lender offering convenient payday loans and quickly get funds.
$1,000
As soon as one business day
You must be 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.

Compare up to 4 providers

Beware of high interest rates

Although BackOnTrackLoans.com doesn’t charge any fees to use its service, if you do agree to take out a loan, you’ll be on the hook for paying that money back. Most short-term loans come with high interest rates — sometimes over 300% — that can lead to costly repayments. Combined with a quick payback period, you may be stuck paying much more than you originally expected. Go over your contract and be sure you can afford to borrow before signing on that dotted line.

Is it safe to apply with BackOnTrackLoans.com?

Yes. BackOnTrackLoans.com has a secure website and is a member of the Online Lenders Alliance. Its privacy policy covers the types of personal information it collects, how that information is used and how you can limit its sharing. But while the application process through BackOnTrackLoans.com is secure, you’ll still want to check and see if your lender is legit before you apply online.

What does the Internet say about BackOnTrackLoans.com?

There isn’t much information on BackOnTrackLoans.com out there. The Better Business Bureau (BBB) doesn’t even have a page for the connection service or its parent company, Fast Flash Marketing, LLC. TrustPilot does have one review, but it’s from 2015. It states that BackOnTrackLoans.com signed them up for a “credit file checking service” that charges monthly. Unfortunately, because there aren’t any other reviews, this single one stands out.

Before using BackOnTrackLoans.com, you should call its customer service line and speak directly to a customer representative. This may help you gauge the helpfulness of its services and if you want to submit your personal information to the company rather than comparing your other short-term loan options.

Am I eligible?

In order to use BackOnTrackLoans.com to find a lender, you must meet the following eligibility criteria:

  • You must have an active open bank account
  • You must be at least 18 years of age
  • You must have a regular source of income

How do I apply?

  1. Click Go to site to be redirected to the BackOnTrackLoans.com website.
  2. Enter your full name, date of birth, last four digits of your Social Security number, zip code and select if you want to pick up funds locally. Then click Click to Begin.
  3. Select your loan purpose, the amount you want to borrow and your approximate credit score range.
  4. Fill out your address, contact information and your driver’s license number.
  5. Enter information about your employment, such as your income amount and pay date.
  6. Enter your bank account information, including your routing and account numbers.
  7. Read over the Privacy Policy, Terms of Web Site Use and Consent to Electronic Disclosures. Then click Submit.

Once you’re finished, BackOnTrackLoans.com will review your application and potentially connect you with a lender. If successful, you’ll be redirected to the lender’s website to finalize your application and see if you’ve been fully approved for a loan.

I was connected with a lender. Now what?

Once you’re connected with a lender, you’ll leave BackOnTrackLoans.com and visit the lender’s website. From here, you can finalize your application. If you have any questions about your loan, you’ll need to contact your lender directly. Be sure you read over your contract and know how much it will cost to borrow before you finalize your loan.

Bottom line

Even if you have had issues with your credit in the past, you may be able to be connected with a lender that will suit your needs. By applying through BackOnTrackLoans.com, you can save time and potentially find a lender that can get you the money you need. However, its limited information and lack of customer reviews may not be for you.

Before you fill out an application, you may want to compare your other short-term loan brokers or apply directly with a lender to review your other options.

Frequently asked questions

Aliyyah Camp

Aliyyah Camp is a publisher for finder.com helping folks compare personal, student, car and business loans. When she's not helping people with their personal finances, you can find her going for runs outdoors.

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