Better personal loans for employees, union and association members.​

Affordable loans made for employees experiencing financial hardship due to emergency or unforeseen expenses.4

GET STARTED Apply regardless of your credit score.
Better personal loans for employees

Why LoansAtWork ?

Better Loan Offers 4

Better Loan Offers4

Loan amounts from $500-$12,000 with loan terms of 6-48 months and APR between 19.99%-35.99%

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

Competitive Rates 4

Competitive Rates4

Cheaper than payday loans.

Simple Interest Loans

Simple Interest Loans

No penalty rates, no late fees, no balloon payments, no prepayment penalties.

Avoid Missed Payments

Avoid Missed Payments​

Easier repayments direct from your paycheck, payroll deduction or bank account.​

No Credit Score Require

Apply regardless of credit score2

You are more than your credit score.

Easy Application

Easy Application

Apply in less than 5 minutes from any device.

Add to Your Credit History

Add to Your Credit History​3

All loan payments are reported to the credit bureaus.​

Offers Access
to Flexible
Loan Options

Loan Amounts Ranging From​

$500 - $12,0004

Biweekly Payments Ranging From​

$13 - $1854

Loan Terms Ranging From ​

6 - 48 Months4

Annual Percentage Rates Ranging From​​

19.99% - 35.99%4

How to apply for a loan through BMG Money?

  1. Search For Your Employer

    Check if we are already working with your employer, union or association.​

  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 instant funding available.1

Refer your Employer, Get Access to LoansAtWork!

Connect us with your Human Resources Manager so they can learn more about this great employee benefit.​

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Customer Reviews

Frequently Asked Questions

If you are employed by one of the employers we work with, live in a state we are licensed in, are over 18 years of age, meet the length of employment requirement, not active in the military and do not have an open bankruptcy, we encourage you to apply. Please note that requirements vary depending on the loan program and are subject to change.

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

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.