Low Interest Loan

Online Application

Our online application only takes minutes to complete. And since we are an online lender, you can submit your application whenever you like, day or night! Be prepared to provide a valid color copy of your ID and your valid debit card information as a potentially required additional security measure. Submit a photo or scanned copy of your ID via email at: help@till.com. Please include your name clearly in the subject line of your email. Or, you can text it an image of it to: (314)226-3691

Loan Approval
An Underwriter will contact you within 30 minutes of receiving your application during business hours and verify your information with you to ensure we accurately personalize your loan. Because our loans are designed to be paid back over time in a way that works best for you, we will set up a payment plan that fits with your financial situation and income schedule. Our knowledgeable loan underwriters will determine the amount you qualify for – up to $1,000.
What to Expect

Funds will be deposited into your account as soon as the next business day.*

How To Get A Low Interest Loan

Why is it important to get a low interest loan? Because your interest rate will determine how much you pay back in the long-term. Most personal loans will have a fixed rate which is a predetermined percentage of your loan amount that you will pay your lender for giving you cash in a quick and easy manner.  Most online lenders have a relatively short repayment term compared to something like a mortgage.

How Does It Work?

So how do you get a lower interest rate on your personal loan? One of the first things you should do when looking for a low interest loan is find out the term of the loan. Many lenders will allow you to repay a loan over years which allows them to give you a lower interest rate and smaller payments. While this may sound better, it is actually worse for you. You will make more payments in the long run with the majority of your money going toward interest instead of the principle of your loan. Avoiding long-term loans is pivotal to saving money.

Working With Till

At Till, all of our loans have a 6-month term regardless of your loan amount. If you borrow more money, up to $2,500, you will have a lower interest rate. This way you are making fewer payments with more of your money going to the principal of you loan. Additionally, if you make your payments early, you will pay less interest over all because interest is accrued daily.