Better Financial Services for Employees & Retirees

Emergency loans and free financial tools for happier, healthier and more productive people.

You are more than your credit score
Better Financial Services for Employees & Retirees
You are more than your credit score I’m an employee I’m retired I’m an employer

BMG Money is the better loan solution for employees and retirees who are working on improving their credit scores.

  • Better Loan Offers 4

    Better Loan Offers4

    Loans ranging from $500-$10,000 & terms from 6-36 months and rates from 19.99%-35.99%

  • No Credit Score Require²

    Apply regardless of credit score2

    You are more than your credit score

  • Easy Application

    Easy Application

    Loan offers in minutes from any device

  • Higher Acceptance Rate

    Higher Acceptance Rate9

    All credit scores are encouraged to apply.

  • Instant Funding Available¹

    Instant Funding Available1

    Most borrowers get their loan proceeds deposited in their bank accounts instantly

Woman pointing to a board

How to apply for a loan through BMG Money?

  1. Share your Employment Information

    If you are retired, share your retirement status you still may be eligible.

  2. Apply On-Line

    Tell us about yourself and provide required documentation if needed.

  3. Get Your Money

    Sign your loan documents and get your money with same day funding available. 1

Apply regardless of your credit score

We help employees and retirees across the United States

Security Focused

At BMG Money, we make it our priority to protect your privacy and safeguard your information.
  • - We protect accounts with multi-factor authentication, the use of firewalls and other safeguards.
  • - Our networks are monitored around the clock.
Security Focused

Frequently Asked Questions

If employed by an employer we work with, meet the employment requirements, reside in a state we do business in, 18 years or older, not active in the military and do not have an open bankruptcy, you may be eligible to apply. Other credit criteria may also apply. Approval is not guaranteed.

Your money is generally available 1-2 business days after you are approved, depending on your chosen funding method.
Read more FAQs

Customer Reviews

1 Instant Funding available within minutes of approval if you provide a valid debit card where your primary income is generally deposited in the bank account linked to this debit card. Same day ACH funding is available for applications approved and signed before 12:00 p.m. ET Monday - Saturday (not including federal holidays). For applications approved and signed by 4:30 p.m., funds are generally deposited the next business day Monday - Saturday (not including federal holidays, in which case funding will occur on the following business day).

2 Your FICO Score will not be pulled for the processing of this loan application; however, alternative credit scores are pulled and used in determining creditworthiness. LoansAtWork does not require any sort of credit score. Payment history is reported to all three major credit reporting agencies and failure to make payments may affect your credit scores.

3 All loans marketed by BMG Money are made by WebBank, except, as of 12/08/2023 the loans made to residents of are made by BMG LoansAtWork, LLC.

4 Loans through BMG Money are provided at a significantly lower cost than most payday loans. For example, a $2,000 loan with a one-time fee of $59 will be paid through 87 installments over 40 months, will have an APR of 35.98% and the approximate biweekly payment will be $40.00 with a total payback amount of approximately $3,479.02 (assumes a loan execution date of 03/07/2024). In contrast, according to the Consumer Financial Protection Bureau, “A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%.” Source:

5 The interest rate match policy applies only to loans intended to be repaid by payroll allotment, to employees of the U.S. federal government (excluding military service members).

6 Military Lending Act Disclosure: Due to rules and restrictions within the Military Lending Act, this program is not available to active-duty service members or their spouses.

7 California Residents: California Privacy Rights: Our CCPA Notice can be found here:

8 Residents of Washington: BMG LoansAtWork, LLC holds Consumer Loan Company License # CL1649032; NMLS Consumer Access webpage:

9 From 01/01/2023 – 01/31/2024, 57.4% of all loan applications were approved (only 42.6% of applications were declined). According to Market Watch, the Federal reserve released figures in July, 2023 showing loan application rejection rates among lenders averaged 56% among borrowers with credit scores of 680 or below. Source:

10 The NEA Advantage Loan program is not available in Ohio, Indiana, Maine, Nebraska, New York, Washington, West Virginia, New Hampshire, North Dakota, Georgia, Nevada, Rhode Island, Connecticut, Massachusetts, Vermont, Wisconsin, New Jersey.