Borrow Money Online -
Get Beans Now!

Borrow money for emergencies or everyday needs with Capital Bean - borrow $300, $500 or as much as $35,000 using our online application form. You will receive an instant decision on the screen and once you are approved, you can receive funds in 1 to 24 hours, with bad credit scores considered too!
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Over 2,000 Loan Applications Processed Everyday

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Bad Credit Considered and Same Day Funding Available

Why Should
I Borrow
Money Online
with Capital
Bean?

Capital Bean can help you borrow money today in the most effective and fastest way possible. We act as a loans connection service and will match your application with more than 50 regulated and licensed lenders in the US who are eager to approve your loans today.

We know that it can be difficult to get approved with bad credit or get low rates if you do have a poor credit history. Our entire panel of lenders will consider different credit histories and we make sure to connect you with a lender that is most likely to approve your offer and give you the best offer for you.

Working with Capital Bean is completely free and there are no fees to submit an application online. There are never any hidden costs. We simply take a small fee from the lender if your application is successful – and we do not share your information with anyone else.

We are dedicated to affordable rates, responsible lending, and making sure that our customers get into a better financial position than when they started with us. Our clients can request a loan 24 hours a day and 7 days per week and there are no fees for applying and there never will be!

Can I Borrow Money With Bad Credit?

Yes, if you are looking to borrow money with bad credit scores, Capital Bean can help. We work with a number of partners who are happy to look at bad credit histories and will be willing to take a view provided that you have a regular income and are committed to repaying your loan on time.

Whilst a payday loan is typically used for people with poor credit, we may also recommend alternative products such as a credit union, title loan or secured loan.

It is important that your credit is getting better and not worse – if you are making amends and getting used to paying other credit and loans on time, you can certainly borrow the money you need. You should always seek professional help if you are having financial difficulty and should not use loans to help pay off other revolving debt.

I Need To Borrow Money Now – Can Capital Bean Help Me?

Yes, we are able to offer instant loan approval and money can be funded within 15 minutes, 1 hour, same day or next business day.

With a completely online application, our lenders are often looking to process applications as quickly as possible. To speed things up, always make sure that you give accurate information such as your address, income and bank details – since this will move things along and avoid having to do additional checks.

And always make yourself available by email or phone, just in case the lender has follow up questions – and this can help approve and fund your loan as fast as we can!

How it Works

Step One

Apply online, enter your details 24 hours a day, 7 days a week and get an instant decision on the screen.

Step Two

Accept your loan offer and complete the loan agreement by electronically signing it using an email link and unique SMS code

Step Three

Go through our final checks and once fully approved, receive funds transferred to your bank account in 1 hour, 24 hours or the next business day!

Need to Borrow Money Today? Read Our FAQs

How Much Can I Borrow?

Clients can borrow $100, $500 or as much as $35,000 and this is repaid over 1 to 60 months. The total amount you can borrow will depend on various factors including your credit history, outstanding debts and monthly income. For smaller amounts of $300 or $600, the loan term may only last a few weeks or months, but with large loan amounts of $2,000 or $5,000, you may be required to repay over installments over several months or years.

How Much Does it Cost To Borrow Money Online?

The cost of your loan will range from 9.9% to 600% APR depending on factors such as your credit score, your income, affordability and the length of your loan.

For good credit customers who are connected to unsecured or personal loans, your rates are likely to be closer to 9.9% APR, but for customers with bad credit or payday loans, these could be closer to 300% to 600% APR because there is more risk for the lender, but also because the loan is just a few weeks, it is compounded to make the APR seem a lot higher.

How Long Does it Take to Apply for a Loan with Capital Bean?

Using our online form you can apply in less than 5 minutes using your desktop, laptop, mobile or tablet. Once the form is complete you will receive an immediate decision on the screen with a proposed loan offer. Should you wish to proceed, you will be asked to complete some final details including the electronic signing of the loan agreement and undergo some final checks. Once confirm, your loan can be funded within minutes, 1 hour or the next business day.

What is The Eligibility Criteria to Apply?

To borrow money from Capital Bean, you must be over 18 years old, a US resident, be in steady employment and make at least $800 a month (some lenders may accept $500). You also need a social security number and  live checking account for the money to be paid in to and to be collected from.

Will Applying for a Loan Negatively Impact My Credit Score?

There will be no impact on your credit score when you apply for a loan with Capital Bean. One application will not impact your record but make sure that you don’t apply too regularly or make too many applications in a short space of time. This might look suspicious to other lenders because it could make you look desperate for money. During the loan decision process, we will run a credit check for each customer, but don’t panic, this is a soft search and will disappear shortly after, so it won’t impact your credit history in any way.

What is The Minimum and Maximum Amount I
Can Borrow at Once?

The minimum amount you can borrow through Capital Bean is around $100 and this will usually need to be paid back in full within 1 to 2 months. You can borrow a maximum of $35,000 and this is usually for people with good credit and a minimum income requirement – and this will likely be repaid in multiple installments.

How Fast Can I Get a Loan?

Our loans are often funded on the same day of applying – and sometimes within 15 minutes or 1 hour of approval.

Smaller amounts are usually a lot quicker to fund, especially if you have a stable employment and good or fair credit score.

If you are looking to borrow larger amounts, this may undergo more checks by the lender to be sure –  just to make sure that you can afford it without any financial difficulty. Also, with larger amounts, this may take a day or a few days just to be transferred successfully into your back account.

How Do Loan Repayments Work?

Your loan repayments are processed automatically using a process known as ACH authorization. This allows for a smooth and automated repayment to be collected each month so that you do not have to make a manual payment, go to the bank or call up the lender directly – since this is all taken care of.

You will receive email and SMS reminders on the days leading up to each repayment, with the specific amounts owed too.

If you struggle to keep up with repayments, this could incur late fees and negatively impact your credit score. Always speak to your lender as soon as possible to discuss some flexible options.

Borrow Money Online Across
the U.S. With Capital Bean

Alabama

California

Colorado

Florida

Illinois

Indiana

Iowa

Kentucky

Louisiana

Maryland

Ohio

Tennessee

Texas

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