Loans at Work


The comprehensive financial wellness benefit for your employees.

Give employees access to emergency loans, credit monitoring, money saving solutions, financial literacy and education programs for happier, healthier and more productive employees.

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Loans at Work
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Improve employee performance

“Employees Financial Issues Affect Their Job Performance… Four out of five employers report that their employees’ personal financial issues are impacting their job performance…according to the IFEBP survey.”

SHRM (2016)

Improve employee retention

“There’s a clear and meaningful correlation between employee engagement in their financial wellness benefit and retention... Financial Wellness programs have a direct impact on improved health and well-being, which leads to decreased stress levels, lower healthcare costs and more employees focused on their work!"

Benefits Pro (2022)

Empower your employees with access to the credit & savings tools and emergency funds that a make a difference

Empower your employees with access to the credit & savings  and emergency funds that a make a difference

Skills & Knowledge

  • Onsite/virtual financial literacy
  • 1-on-1 credit coaching
  • 1-on-1 debt counseling

Credit & Savings Tools

  • Credit score monitoring
  • Local cost savings & discounts
  • Student loan tools

Access to Emergency Funds


Employers love


Inclusive of all credit scores

Inclusive of all credit scores

All employees can enroll regardless of their credit score

Zero cost to employers

Zero cost to employers

Employers do not pay any fees whatsoever

Simple implementation

Simple implementation

No burden on the employer, our seamless solution integrates with all payroll systems to help manage payroll deduction

Years of Experience

Years of Experience

Over 11 years of excellent service

Zero risk to employers

Zero credit risk to employers

Employers do NOT have any risk or liability for any loans

Vetted by the best!

Partner with us quickly and confindently

Sourcewell - Awarded Contract

Help your employees be part of the LoansAtWork program!

Free your employees from unnecessary misery and distress, add LoansAtWork to your benefits package. Enter your contact information below, we assure you a prompt response!

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We help employees across the United States


LoansAtWork3 provides access to short-term employment-based loans to employees in need.

  • Important lifeline for employees too often taken advantage of by predatory payday lenders
  • Employees can manage unexpected expenses over time, with fixed, affordable payments
  • No credit score required for employees to apply – providing access to those employees most in need
  • Loan performance is reported to the credit bureaus – payroll deductions ensure timely repayments

  • Loan amounts based upon income
  • Only one loan at-a-time, only one loan per household
  • Only simple interest loans, no compounding, and loans are unsecured with no risk to employees’ homes, cars or bank accounts
  • No balloon payments, no late fees, no penalty rates, no pre-payment penalties 4

  • Financial literacy training sessions for all employees – whether they are LoansAtWork customers or not
  • No cost to our employer clients or their employees
  • Based on the FDIC’s Money Smart curriculum
  • All customers have free access to the Balance Financial Fitness program – counseling, debt management, workshops, webinars, on-line tools

  • Our employer clients never pay any fees or costs to offer the LoansAtWork program
  • Our employer clients never bear any credit risk nor guarantee any loans – when employees separate, our clients have no credit risk
  • We reimburse our clients for any kind of out-of-pocket expenses
  • No minimum participation requirements; employers may cancel any time; no exclusivity

  • Our proprietary technology allows us to manage the program and take on all administrative burden, minimizing impact on our clients
  • Enrollments and eligibility facilitated through BMG Money's simple process
  • Payroll deductions are calculated, managed and facilitated through BMG Money

  • More than 100 employer clients offer LoansAtWork
  • Provided access to funding for more than $3 billion in loans
  • Leadership team – each has more than 15 years in the payroll-deduction loan business
  • 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.

Customer Reviews

Frequently Asked Questions

No, the financial wellness material is free to all employees.

Yes, payroll deductions help employees pay their loan on time. Payments are reported to the credit bureaus: Transunion, Experian, & Equifax. This helps employees with their credit history.

We can implement with our employer clients in as quick as 2 weeks.
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.