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
I’m an employee I’m retired I’m an employer
Better Financial Services for Employees & Retirees
You are more than your credit score I’m an employee I’m retired I’m an employer
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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-$12,000 & terms from 6-48 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

  • Instant Funding Available¹

    Instant Funding Available1

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

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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 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 signing for your loan if you provide a valid debit card linked to the bank account where your primary income is generally deposited. 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, Inc.

4 Loans through BMG Money are provided at a significantly lower cost than most payday loans. Loans have a fixed simple interest rate of 25.99% per year with a one-time 5% origination fee. For example, a $3,000 loan repaid in 52 biweekly installments of $76.00 over 24 months will have a 31.35% APR. 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%". Your actual loan’s details will depend on the amount and your payroll schedule.” Source: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

5 California Residents: California Privacy Rights: Our CCPA Notice can be found here: https://www.bmgmoney.com/california-consumer-privacy-notice/

6 Residents of Washington: BMG LoansAtWork, Inc. holds Consumer Loan Company License # CL1649032; NMLS Consumer Access webpage: www.nmlsconsumeraccess.org

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

Payment terms from 6 to 48 months
Annual Percentage Rate (APR) ranging from 19.99%-35.99%
Loans do not require repayment in full in 60 days or less from the loan issue date
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