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Apply for a Personal Loan in Minutes

In just four simple steps, you’ll be on your way to achieving the financial wellbeing you deserve.

1. Create a secure account with Stately Credit, and begin filling out an application

2. Make sure your personal information is correct before checking your rate and seeing if you qualify.

3. Have your payroll and bank credentials on hand so we can automatically verify your employment and income information without requiring you to submit any documents.

4. Accept your loan offer, sign a contract, set up automatic payroll deductions, and receive your funds within 48 hours.

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Find Out if You Qualify

Maybe you’ve had trouble qualifying for loans in the past. Maybe you’ve never applied for a personal loan, and aren’t sure what to expect. At Stately Credit, our goal is to make it as easy as possible for people to get out of debt responsibly.

If you’re interested in applying for a payroll deduction loan through Stately Credit, here are the requirements you’ll need to meet:

  • • Aged 18 or over
  • • Minimum three months permanent employment with your current employer
  • • Not currently in a probationary or notice period of employment
  • • No current open bankruptcies
  • • Your paycheck must be processed by a payroll company (e.g., ADP or Paychex) within our network
  • • Borrowing for personal needs and not for any business purposes or speculative investments

If you meet the above criteria, good news! You can apply for a payroll deduction loan through Stately Credit right now. Still on the fence? Learn more about how paycheck-linked loans work and whether this type of loan is right for you.

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Credit Check

Applying Won’t Impact Your Credit

At Stately Credit, we’re able to approve more borrowers than traditional banks and financial institutions. We use information from your credit report to inform our lending decision and set interest rates. When you initially apply for a loan on our website, we run a ‘soft credit check,’ also known as a ‘soft pull’, which will not impact your credit score.

After completing an application, we’ll let you know our decision within 24 hours.

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What We Need to Know

Ready to apply for a paycheck-linked personal loan? Here’s what you should have on-hand before beginning your loan application:

Personal information (name, email, phone, date of birth, address, ssn)

Have your payroll credentials on hand so we can automatically verify you employment

Have bank credentials on hand so we can fund your loan

As soon as you have everything ready, you can begin the secure application process directly on our website.
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How Can We Help?

Have questions about Stately Credit or how salary-linked employee loans work? Please review our FAQs or call one of our friendly team members for more information or assistance.
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FAQs

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Loans under the Stately Credit branded loan program (Stately) are made by First Financial Credit Union (FFCU), an Illinois chartered credit union, NCUA insured. An FFCU membership is required in order to obtain a Stately Credit loan from FFCU. Stately loans are serviced by First Financial Servicing, LLC (FFS).

Stately loan amounts range from $1,000 to $10,000 with loan terms from 6 to 24 months. Loans are generally repaid via a payroll direct deposit. The APR for Stately loans ranges from 12% to 35.99%.

To qualify for the lowest rate, applicant must have a responsible financial history, be employed and paid through a payroll processor and repay via a payroll direct deposit.

Our loans are subject to credit approval and verification. We may gather information about you including, but not limited to, credit bureau information, information for verification of income and of your expenses. We also verify your identity. Income and debt must meet eligibility requirements as established by our underwriting guidelines which is subject to change without notice.

As an example: A 2 year $5,000 loan with a 22.95% simple interest rate and a $25 one time fee has 52 bi-weekly installments of $132 each and an A.P.R. of 23.49%. This example is an estimate only and assumes all payments are made on time.

Stately loans are not currently available in all states and are not currently available to active members of the military and/or their dependents.

By providing your email address and phone number to Stately Credit LLC, you agree that Stately Credit LLC, FFCU, or FFS may use it to communicate with you about debt via email, phone, or text message.

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account with FFCU, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents.

We are committed to making our website's content accessible and user-friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at 844-408-2444-, Monday – Friday, 9 a.m. – 5 p.m., Central Time.