Better Personal Loans for your Employees

Alleviate your employees’ financial stress by offering personal loans with LoansAtWork. Boost employee morale and productivity.


Better Personal Loans for your Employees

Alleviate your employees’ financial stress by giving them access to low cost personal loans with LoansAtWork, and boost employee morale and productivity.

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Why BMG Money is the best option for your employees?

BMG Money offers emergency loan programs that allow your employees to borrow responsibly and repay debt in affordable installments.

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No FICO Credit Score Required

FICO credit score will not be a factor when determining if they qualify for a loan.


Easy Application

Easy application process. Can be done in less than 5 minutes from any device.

A+ Rating

Build Your Credit History

We report all loan payments to the credit bureaus which aids in establishing credit.

Good for employees

LoansAtWork is an essential and innovative benefit that enables employers to dramatically improve their employees’ financial well-being and help them lead more productive, happier lives – all with no cost or risk to your organization.

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Help Your Employees With LoansAtWork

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LoansAtWork provides short-term employment-based loans to workers in need.

Tremendous Value to Employees
  • Important lifeline for employees too often taken advantage of by predatory payday lenders
  • Employees can manage unexpected expenses, over time, with fixed, affordable payments
  • We do not need to review employees’ FICO credit scores – guaranteeing access to those employees most in need
  • We report loan performance to credit bureaus – payroll deductions ensure timely repayments
Critical Safeguards
  • Loan amounts based upon income, and all employees must complete an on-line budget review
  • Only one loan-at-a-time, only one loan per household
  • Only simple interest – 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
Financial Literacy
  • We provide 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
No Cost / No Risk
  • Our employer clients never pay any fees or costs to offer the LoansAtWork program
  • Our employer clients never bear any risk nor guarantee any loans – when employees separate, our clients have no risk
  • We reimburse our clients for out-of-pocket expenses of any kind
  • No minimum participation requirements; employers may cancel any time; no exclusivity
Ease of Administration
  • Our proprietary technology allow us to manage the program and take on all administrative burden, minimizing impact on our clients
  • We handle all enrollments and eligibility through our simple process
  • We calculate all payroll deductions and manage all loan accounting and servicing
Experience & Qualifications
  • More than 60 employer clients offer LoansAtWork.
  • Funded more than $170 million in loans.
  • Leadership team – each has more than 10 years in the payroll-deduction loan business

Customer Reviews

Frequently Asked Questions

How do I know that I am eligible?

If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. To see if your employer qualifies, click here  terms and conditions may apply.

How soon can I get my money?

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

How does this application affect my FICO credit score?

We do NOT pull FICO credit reports for any of our three programs: LoansAtWork, LoansForFeds, or LoansForAll. We do report your successful payments to the credit bureaus, this in turn may improve your credit history.

* Fixed simple interest rate based upon employer and loan amount: 23.75% to 29.75% per year; one-time fee ranging from $0-$50 added to loan; and loan amounts ranging from $500-$10,000 (depending on applicant’s employer and state of residence). Applicants must: 1) reside in Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Montana, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington, Washington DC or Wyoming. 2) currently be employed by one of our employer clients; and 3) have a minimum of one full year of employment with their current employer.

For example, a $3,000 loan with a 23.99% fixed annual interest rate and a $25 origination fee will be repaid through 52 bi-weekly payroll deduction installment payments over two years, will have an APR of 24.80% and a bi-weekly payroll deduction installment payment of approximately $74 (assumes a 11/09/2020 loan execution date). Other terms and conditions may apply, and your loan may vary depending upon loan execution date, actual payroll deduction schedule, state of residence, employer, etc. Not all applicants will qualify for a loan. Approval time may vary if additional documents are required. Customer testimonials and reviews reflect individuals’ opinions and may not be illustrative of all individual experiences.