How it Works

How it Works

Fresh Air Loans is not a payday lender; we offer affordable installment loans in amounts ranging from $100 - $2,000. Loans can only be issued in $100 increments. We don’t charge exorbitant fees or interest (some competitors charge up to 800% interest!), so you’ll save a significant amount of money over the life of your loan. There are also no penalties for early payoff, in fact, we encourage it.

We give you adequate time* to pay off your loan, along with a solution that enables you to reduce both the interest and principal with each payment. Upon approval, the money will be deposited directly into your checking account.**

You won’t find hidden fees or balloon payments at Fresh Air Loans. Instead you’ll get fast service, reasonable rates and complete transparency.

Rates and Availability

Our standard interest fee is 36% with an APR of 100% - 300% depending upon the amount borrowed. The higher the loan amount, the lower the APR. We typically process loans in as little as one business day.

Several states have regulations that may make it impossible for Fresh Air loans to lend money to residents of those states. If we find that we are unable to make a loan to you because of the state in which you live, you will be notified quickly.

* Most payday lenders require payment within two weeks, resulting in missed payments or payments that are rolled over several times at significant expense to the borrower.

** For a list of loan application requirements, see our FAQ section.

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