LoansAtWork
“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)“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)
Skills & Knowledge
Access to Emergency Funds
All employees can enroll regardless of their credit score
Employers do not pay any fees whatsoever
No burden on the employer, our seamless solution integrates with all payroll systems to help manage payroll deduction
Over 11 years of excellent service
Employers do NOT have any risk or liability for any loans
Partner with us quickly and confindently
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!
LoansAtWork1 provides access to short-term employment-based loans to employees in need.
1 Loan amounts range from $500 to $12,000. Loan lengths range from 6 to 60 months. Annual Percentage
Rates (APRs) range from 19.99%-35.99%. Many loans have a one-time 5% origination fee. Loans do not
require repayment in full within 60 days from the loan issue date. For example, a $3,000 loan repaid in 52
biweekly installments of $76.00 over 24 months will have a 31.35% APR. Your loan’s details will depend on
the amount and your payroll schedule.
Most BMG Money-branded loans are made by WebBank. As of 08/01/2025, loans to residents of Illinois,
Ohio, and Rhode Island are made by BMG LoansAtWork, Inc.
BMG LoansAtWork, Inc. is licensed in many states. For more information, see https://www.bmgmoney.com/compliance.
Loans through BMG Money are provided at a significantly lower cost than most payday loans. 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/
2 Your FICO Score will not be pulled or used for the processing of your loan application. Alternative credit scores are pulled and used in determining creditworthiness. We report payment history to all three major credit reporting agencies and failure to make payments may affect your credit scores.
3 A loan offer is not guaranteed. Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Loan terms are subject to verification of identity and credit information. Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
4 If you provide a valid debit card linked to the bank account where your primary income is generally deposited, Instant Funding is available within minutes of signing for your loan. For applications approved and signed by noon ET, same-day ACH funding usually is available. For applications approved and signed by 4:30 pm ET or on Sundays and holidays, funds usually are deposited the next business day.
