Your credit score is calculated with a mathematical formula. It uses information in your credit report and compares it to information on tens of millions of other people. The resulting number is a highly accurate prediction of how likely you are to pay your bills. People with the highest credit scores get the lowest interest rates.

Refinancing is simply the process of replacing your existing mortgage with a new one with a lower rate and/or better terms. It can help you realize your dreams and it doesn’t get any easier than with LoanOnDemand Home Loans.

Think interest rates are on the way up? Then “locking in“ your interest rate before you close may be a great idea. This simply means your lender “freezes” your interest rate—typically between 15-90 days—before you close.

Refinancing is usually a much simpler process than buying a home. Typical steps in the process include:

  1. Research the value of your home and check your credit scores.
  2. Gather all needed documents and apply for the refinance.
  3. After your loan is approved, the underwriting process begins—the time for careful review.
  4. Sign your papers and close your loan.

A simple first step in the mortgage process is getting pre-qualified. LoanOnDemand Home Loans can pre-qualify you online. We’ll go over your information and discuss your goals. Shortly thereafter you’ll get your pre-qualified amount—the amount for which you might expect to be approved for a loan.


Personal Loans are unsecured loans used for general purposes (primarily for personal, family, or household purposes). You can use one of our personal loans for everything from consolidating your high interest debt to updating your kitchen to complement your unique style.

To qualify, you must be at least 18 years old (in Nebraska and Alabama a borrower must be at least 19 years of age) and be a U.S. resident. You must also reside in a state where we do business. Besides age and location, qualification for a personal loan is largely based on your credit score, monthly income, and amount of existing debt, among other items.

Your personal loan rate is determined by your financial profile. Your financial profile is a made up of your credit history, yearly income, debt amount, loan term, home ownership, and number of credit inquiries, among other items.

We offer a variety of personal loans that you can customize to your liking. You can use one of our loans to consolidate your debt, escape to a dream vacation in Costa Rica, purchase an engagement ring for your special someone, or get money for that sweet new project you’ve been brainstorming for years.


Loans may be used to fund working capital, equipment purchases, owner occupied real estate, purchase of an existing business or to start up a business.

Yes, LoanOnDemand funds businesses with as few as 2 employees.

Yes, LoanOnDemand funds startup businesses with strong potential for sustainability and a significant commitment from the entrepreneur.

Yes, LoanOnDemand funds startup businesses with strong potential for sustainability and a significant commitment from the entrepreneur.

The loan terms range from 7 to 25 years with varying interest rates, depending on the use of funds and the amount of risk.


A payday loan is a safe and convenient short-term loan, created to allow borrowers to stretch their monthly budgets when the unexpected happens. Payday loans are unsecured, usually for small amounts of cash, and typically require only a few easy steps for fast results.

People are choosing payday loans more often as emergency boosts to their otherwise stable household budgets. This is because they are a fast, safe and readily available source of help. When unexpected expenses or a surprise cash crunch leaves you in danger of falling behind on bills, you can rely on a payday loan. When used properly, payday loans are a great choice for a short-term need, and can help you avoid the cost of bounced checks, overdrafts, late payments and defaults.

A payday loan works very simply. The payday loan application payday typically requires just a few simple steps; the fees are straight forward and stated upfront, and most borrowers experience fast approval time. For occasional cash shortfalls and unexpected expenses, a payday loan can be a good source for fast cash when you need it.

After filling out a payday loan application and getting approved, the borrower signs a contract with the payday lender.

Online payday loans are quick, hassle-free solutions designed to cover an unexpected monthly expense or emergency situation that falls between paychecks. Payday loans can be used whenever you need them. That said, payday advance loans should only be used occasionally, and not as an ongoing financial resource.


A title loan is a loan where a vehicle title is used as collateral in exchange for the loan amount.

Absolutely! If approved, you get the money, and you get to keep driving your vehicle.

Yes, title loans are available for motorcycles in-store, and the requirements are the same: clear title with your name on it, government issued photo ID, and proof of income.

General Requirements:

  • You are required to be on the title for the vehicle you are presenting as collateral, and the vehicle must be clear of any liens.
  • You do not have to be employed but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer or a dependent of a member of the Armed Forces on active duty.
  • You must bring a valid government issued photo ID. A Social Security Number is not required.
  • Titles with two names are accepted. Both people must be present in the store to complete the process. The store associate will instruct you on how to sign the documents if you are approved.


Yes. With auto refinance you could pay off your existing car note and replace it with a more affordable auto loan. Our auto refinancing options might reduce your current payment and could even give you cash back.


How would it feel to shop for your next car with an approval in hand before you arrive at the dealership? Once approved, your auto financing is already taken care of before you even step foot in a dealership.

Yes. You may choose to pay off your auto loan in full at any time. Please note that if you select this option and for any reason your payment does not clear will continue to accrue and the total amount due will increase.

Yes. We finance and service new and used auto loans for customers with all types of credit.  We’ve helped thousands of customers purchase quality cars, or refinance the ones they currently own.