How It Works In Five Simple Steps

1. Eligibility


Be a Citizen of the US
Be Over 18 years of age
Have a live checking account to receive your cash
A steady income of at least $800 per month
Full-time employment
Bad credit considered
Can afford repayments

2. Choose How Much You Want To Borrow


We can help you borrow between $100 all the way up to $35,000. You can choose how much you want to borrow and it will depend on your own personal circumstances and how much you can afford to repay.

3. Apply Using Our Online Form


Fill out our 100% online form in under 5 minutes. We know time is of the essence so we make this as quick as possible. Let us know how much you want to borrow, for how long, and a couple of personal details. Receive an instant decision online.

4. We Connect Your Loan Request With A Lender


After you’ve applied you should receive an instant decision on-screen. We will connect you with the lender in our network that best suits your requirements and will give you the best deal. After your loan offer is made you might need to digitally sign the contract using a pin that is sent to your cell phone and a link that is sent to your email address. This will confirm the T&Cs of the loan.

5. Money Sent To Your Bank Account


If your loan is approved by our lending partner then the money will be sent to your nominated bank account. You could receive the money on the same day, the next day, or within 24 hours.

How Is Capital Bean Different?

Capital Bean has no hidden fees and will connect you with the best lender based on your personal requirements.

We help borrowers across the US find the best lender for their needs, quick. We lend anywhere from $100 to $35,000 and offer repayment terms of 1 month, 6 months all the way up to 36 months, depending on your requirements.

We know that things happen that mean you need to borrow money quickly – you might need two hundred dollars to fix your car so you can get to work or maybe even fix a household appliance. It can be difficult to find a trusted partner and this is why we work with a wide panel of lenders across the US. There are many apps, shop fronts and payday loans markets across the US and so finding a lender can sometimes be difficult.

This is why Capital bean was set up. We work with a small number of trusted licensed payday lenders and short-term loans solutions that can help you. We work across the whole US in any state that payday lending is legal – all the way from Illinois in the East to California in the West to Louisiana and Texas in the South.

We always want to provide a transparent and straightforward process so that you know what you’re getting at all times. Our passion is to give you the best quality service at all times to reduce stress when you need money now. Most of our lenders send money within the next business day or within 24 hours.