Online Loans from Perch

Discover a new point of view with flexible and convenient online loans.

Now you can swiftly apply and receive money without ever leaving your nest.

A online loan can be used for...

  • Medical expenses
  • Home repairs
  • Special events
  • Car down payments
  • Whatever you need!
  • Medical expenses
  • Home repairs
  • Special events
  • Car down payments
  • Whatever you need!

What makes an online loan from Perch different?

Apply in Minutes

Instant approval decision

Apply in minutes, get approved
instantly and access your money
the same day*

Guaranteed money back from Perch Loans

Money guarantee

allows you to change your mind within 3 business days and repay the principal with no fees

Flexibility to Push a Payment with Perch Loans

Push a payment

within the term of your loan with no additional interest.**

*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.

**Once per loan term; restrictions apply.

Rates & Terms for Online Loans

Our online loans offer better rates and longer repayment terms compared to short-term loans from other lenders.

Loan Type: Online Loan
Loan Amounts: $500-$2,500
Loan Term: 9-15 months
(may vary by state)
Funding: Typically 1 business day or less
Approval by 10:30AM ET (M-F) is typically funded by 5PM ET same-day. Approval after 10:30AM ET will be funded next banking day.

Example Online Loan

Below is a typical loan example. Other loan amounts and terms are available.

Loan Amount
$1,600
Bi-weekly Payment
$120.29
Loan Term
12 months
Annual Percentage
Rate (APR)
149.99%
Finance Charge
$1,527.54

1, 2, 3, Soar...

With Perch, it's faster and easier to elevate your financial vantage point.

Perch Loans Online application

Apply online in minutes

Our quick online loan application takes just minutes to complete and can be on-the-go or from the comfort of your nest.

Instant approval decisions

Good news travels fast -
receive loan decisions almost instantly.

Instant approval decisions by Perch Loans
With Perch Loans, access money the same day

Access your money

Get your money the same day* and get started planning for better and brighter tomorrows.

Never fly solo

Choose Perch Loans and elevate your financial vantage point.

*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.

Online Loan FAQs

How are online loans different from traditional loans?

Online loans are a more convenient and private experience than in-person loans at traditional financial institutions. With an online loan you can apply and get the money you need from the comfort and privacy of your own home.

How does an online loan work?

Simply complete our online application in minutes and get an instant approval decision. Once approved, the money is deposited in your bank account as soon as the same day.

How does repayment work for online loans?

The convenience of an online loan means that even your payments are convenient. Your payment schedule is covered at the time you sign your agreement, and payments are automatically withdrawn from your bank account, giving you one less bill to schedule.