Apply
Check your loan amount.
A soft credit check, so finding out where you stand will not affect your credit score. Approval is not guaranteed and nothing is binding until you have read the numbers and signed.
Figures on this page were checked against Galt Credit’s published state disclosures on . How we source figures
What happens when I apply?
The form takes about five minutes. A soft credit check runs during bank verification, so applying does not affect your credit score. If an offer is made you will see the APR, finance charge, payment amount, number of payments and total of payments on one page before anything is binding. Approval is not guaranteed.
Key facts
| Product | Personal installment loan, unsecured |
|---|---|
| Amount | $100–$1,000 in Texas; $100–$1,500 in Missouri, Wisconsin and Utah |
| Term | About 4–10 months; minimum 120 days (Texas 120–180 days) |
| APR | Approximately 598% on the lender’s published Texas fee-schedule examples |
| Credit check | Soft inquiry — does not affect your credit score |
| Fees | No application fee, no prepayment penalty; $30 returned item, late fee $7.50 or 5% |
| States | Texas, Wisconsin, Missouri, Utah only |
| Funding | ACH, usually next business day; not guaranteed |
| Lender role | Direct lender in MO, WI, UT; Credit Access Business in Texas |
Application
Start your application.
About five minutes. No faxing, no documents to upload in the normal case.
- Soft credit check — your score is not affected
- Texas, Wisconsin, Missouri and Utah only
- $100 to $1,500, depending on your state
- You read the APR, payment and total before you sign
- No application fee and no prepayment penalty
Approval is subject to verification of identity, income and banking history. A pre-approval is not a loan. Loans of this type are not offered to covered borrowers under the Military Lending Act.
The application form is taking longer than usual to load.
Try refreshing the page. If it still does not appear, you can apply by phone with the lender on 1-800-402-8845, or on the lender’s own site at galtcredit.com. Texas borrowers dealing with the Credit Access Business can call 888-743-6229.
Submitting this form passes your details to a licensed lender or lending network. GaltCreditLoans.com is an independent information resource and is not Galt Credit.
What happens after you click. Nothing is binding. You will be asked to verify your bank account, which is where the soft credit check runs — your credit score is not affected either way. If an offer is made, you see the APR, the finance charge, the payment amount, the number of payments and the total of payments on one page. You can close the tab at that point and nothing has happened. If you e-sign, funds are sent by ACH and normally arrive the next business day.
No lender will ever ask you to send money, a wire, a gift card or a prepaid card before a loan is funded. A request like that is a fraud in progress, whoever appears to be sending it.
How it works
How to apply for a Galt Credit loan.
Fill in the form
Name, address, employer, income and the amount you want. Roughly two minutes on a phone. No documents to fax.
Verify your bank
Instant bank verification confirms income and account activity. This is the soft check — it does not affect your credit score.
Read one page of numbers
APR, finance charge, payment amount, number of payments and total of payments, all on a single disclosure before anything is binding.
E-sign and get funded
Sign electronically and the deposit is sent by ACH, normally arriving the next business day.
5 minutes is the typical completion time reported by readers of this site; 83% of them reported funds arriving by the next business day. Funding speed depends on your bank and is never guaranteed.
Rates and fees
Galt Credit loans rates, fees and APR.
Two fees exist beyond the finance charge, and neither applies unless something goes wrong. There is no application fee and no prepayment penalty.
- Application fee$0
- Prepayment penalty$0
- Returned item fee (dishonoured payment)$30.00
- Late fee, after 10 days past due$7.50 or 5%
The late fee is $7.50 or 5% of the late payment, whichever is greater. Fee amounts are taken from the lender’s published Texas schedule and can vary by state. source
Representative example
597.59%
Annual percentage rate on the $500 bi-weekly example published in the Texas fee schedule. source
In Texas this combines third-party lender interest of no more than 10% per annum with Credit Access Business fees. Your figures depend on your state, amount, pay frequency and qualifications.
FAQ
Before you start.
What is a Galt Credit installment loan?
How much can I borrow as a first-time customer?
How fast will I receive the money?
Does Galt Credit check my credit?
Can I qualify with bad credit?
Can I pay my loan off early?
Sources
Where these figures come from.
- Galt Credit — frequently asked questions — Loan range, repayment window and soft credit check
- Galt Credit — Texas rates, terms and fee schedule — CSO/CAB structure, published APR and worked payment examples
- US Department of Defense — Military Lending Act — The 36% Military APR cap and covered-borrower protections
Rates, fees, amounts and availability change. Where this page and the lender’s current disclosures disagree, the lender’s disclosures are correct.
Keep going
Read next
Check what you qualify for before you commit to anything.
A soft credit check shows your amount without touching your score. Nothing is final until you read the numbers and e-sign.
Advertising disclosure: GaltCreditLoans.com is an independent resource, not the lender. Applications submitted through this site may earn us a referral fee. It does not change what you pay, and cheaper alternatives are named on every page.
Approval is not guaranteed. Texas, Wisconsin, Missouri and Utah only.