CreditShop Questions and Answer Index

When will I receive my loan funds?

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Funding timeframe and dates

If approved, after you accept your loan you will receive both an email and text message with the date the funds will be in the bank account you provided during the application process. This typically takes 1-2 banking business days.

If you have a line of credit loan, you must set up an advance before we can send any funds. After you have accepted you can log into your account to set up an advance at CreditShop customer portal.

Below are the general cutoff times for funding to a bank account:

If you accept your loan: The funds should be available in your bank account:**
Before 1:00 p.m. ET, Monday-Friday The next business day
After 1:00 p.m. ET, Monday-Friday The 2nd business day after loan acceptance
Anytime Saturday or Sunday The following Tuesday

**Subject to your bank's availability policy. Also, if the day of funding falls on a bank federal holiday, the funds will likely be available the following business day. Additionally, "next day hold" policies at some banks, requests for additional documentation by CreditShop, or other unforeseen circumstances could delay funds receipt.


Still need help? Use this form to contact our support team.

I provided incorrect bank account information

If you provided incorrect bank account information, contact us immediately, even if you updated the account in the customer portal. Once the funding has been sent to the Bank, we must wait for the Bank to reject and return the funds. Once returned, we can update your banking information and resend the funds to the updated bank account. Please be patient this process may take up to 10 days.


Still need help? Use this form to contact our support team.


About Us

CreditShop provides affordable personal loans for everyday and emergency needs. Interest rates range from 18% to 36% and conform to the federally mandated threshold of 36% ... which many consumer advocates consider essential to keep borrowers out of the debt trap. While not everyone will qualify for a loan, many consumers use unsecured simple-interest installment loans to save money and pay less every month.