Ready for a Short-Term Loan? Here’s What You Need to Apply
At My Personal Dollars, we know life doesn’t wait—and neither should your finances. That’s why we’ve simplified the way you access short-term financial solutions. No piles of paperwork. No confusing fine print. Just a simple, secure process built around your needs.
Basic Requirements
You only need a few things to get started:
- Be at least 18 years old
- Live in the U.S. as a citizen or permanent resident
- Have an active checking account
- Show proof of steady income (like a paystub or bank statement)
We don’t rely on traditional credit checks. Instead, we work with subprime credit agencies to give more people a fair chance.
No Collateral. No Long Waits.
Unlike banks or traditional lenders, you won’t need to provide collateral or wait in line for an approval. Our fully online application is mobile-friendly, and most customers complete it in minutes.
How It Works
- Apply Online
Complete our form with your personal information, employment and banking details. - Get Reviewed
Our system assesses your application, if preapproved, our Underwriting team may ask for basic verification like proof of income. - Receive Your Funds
Once approved, funds are deposited directly into your checking account — either same-day or next business day, depending on the time of approval.
Funding Timelines
We’re serious about timing:
- Approved by 3:30 p.m. ET? You may receive same-day funding by 5:00 p.m. local time.
- Approved after 3:30 p.m. ET and before 8:30 pm ET? You’ll be funded by the next business day.
- Weekend or Holiday? You’ll see your funds the following business day.
Why Choose My Personal Dollars?
- Online — no in-person visits
- Transparent fee structure — $30 per $100 borrowed
- No interest — just a flat fee
- We’re a direct lender, not a broker
- Available support—even on weekends