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 financial tools and emergency funds that a make a difference

Empower your employees with access to the financial tools  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 savings

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 risk to employers

BMG Money assumes 100% of the loan default risk

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



LoansAtWork provides short-term employment-based loans to workers 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
  • 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

  • Loan amounts based upon income and all employees must complete an online budget review
  • 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

  • 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

  • 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 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
  • We handle all enrollments and eligibility through our simple process
  • We calculate all payroll deductions and manage all loan accounting and servicing

  • More than 100 employer clients offer LoansAtWork
  • Funded more than $1.8 billion in loans
  • Leadership team – each has more than 15 years in the payroll-deduction loan business

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 if you provide a valid debit card, funds are generally deposited in the bank account linked to this debit card within minutes. If you do not choose the instant funding option, expedited funding is available and usually takes 2-3 hours to receive funds if your bank is within the RTP® network. For ACH funding outside the RTP network, same day 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 Credit Score will not be pulled for the processing of this loan application; however, failure to make payments may affect your FICO credit score.

3 Subject to BMG Money, Inc. or BMG LoansAtWork, LLC loan program requirements and approval.

4 BMG Money loans are provided at a significantly lower cost than most payday loans. For example, in Florida a $2,000 loan with a one-time fee of $25 will be repaid through 25 bi-weekly allotment installment payments in one year, will have an APR of 32.25% and a bi-weekly allotment installment payment of approximately $95 with a total payback amount of approximately $2,358.82 (assumes a 06/14/2021 loan execution date). In contrast, “...the average interest rate on the average payday loan is 391%...” Source – - July 19, 2019.

5 Our interest rate match policy applies only to loans made by BMG Money, Inc. or BMG LoansAtWork, LLC, intended to be repaid by payroll allotment, to employees of the U.S. federal government (excluding military service members) residing in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Minnesota, Montana, Nebraska, Nevada, New Hamsphire, New Jersey, New Mexico, New York, North Carlina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Washington DC or Wyoming. * TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Customer Service Manager at 444 Brickell Avenue Suite 250 Miami, FL 33131; (800) 316-8507; or at TO RESIDENTS OF NEW MEXICO: This lender is licensed and regulated, when making loans of $10,000 or less, by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website "New Mexico Regulation & Licensing Department". All loans are made by BMG Money affiliate BMG Money LoansAtWork, NMLS #1649032.

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: Loan made or arranged pursuant to a California Finance Lenders Law license please note, that "California Finance Lenders Law" has since changed its name to "California Financing Law”. California Privacy Rights: If you are a California resident who is a natural person, the California Consumer Privacy Act (“CCPA”) provides certain rights concerning your personal information, unless an exception applies. These exceptions include information subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and Fair Credit Reporting Act (“FCRA”). In addition to the exceptions under the CCPA, the CCPA does not consider information to be personal information if it cannot be reasonably linked to any consumer or household. The information that we collect, use, and share is exempt from the CCPA because it is subject to the GLBA, subject to the FCRA, or it is not considered personal information.

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