We understand that even the most hardworking people need a helping hand from time to time, so we make the loan process as quick and easy as possible.
Fresh Air Loans uses a unique scoring model that looks beyond the traditional credit scores when making lending decisions. Fresh Air Loans are installment loans which state exactly what your payments are going to be; the total cost of your loan (which will be significantly lower than the loan amount, unlike payday lenders who may charge $1,000 to borrow $500), and when it will be paid off.
Fresh Air Loans can assist anyone 18 years of age or older that is a current U.S. citizen, makes at least $1,500 a month, and has a current checking account. * Qualifying is easy and you don’t have to worry about credit checks. Any type of credit can qualify — even bankruptcy.
We do not provide loans to active military personnel.
Fresh Air Loans does not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of an applicant's income derives from any public assistance program; or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
* For a full list of loan applicant requirements, see our FAQ section.