How it works

Must read

The process of applying for a personal loan is very easy using All you do is complete one easy form on our website and your request is automatically submitted to hundreds of direct lenders in our vast network. Loan amounts can range from just $100 up to as much as $5,000. Amounts will vary based on the laws of the state you live in and various lender programs.

One of direct lenders will respond to your inquiry the same day of your submission, and it can be within minutes. Once you receive loan approval, you will be sent to your lender’s website to review the exact terms of your loan. This will include all the information regarding the rates and fees that apply to your particular loan. If you agree to these terms, your lender will transfer the funds into your bank account directly as soon as the following day.

To be approved for a loan, most lenders in our network require the following:

  • Permanent legal resident or a U.S. citizen
  • At least 18 years of age or older
  • A monthly income of about $1,000 after taxes withheld
  • An active checking account that is in your name
  • Working phone numbers for your place of employment and your home
  • Valid email address


Quick & Easy Inquiry Process

Through our highly secure system, we can locate a lender in our vast network that would be interested in working with you based on your application. That lender will reach out to you for any further information they require, such as pay stubs, verification of employment, etc.

Funds Go Directly Into Your Account

After you are approved for the loan, you will be provided with all relevant information regarding terms, rates and fees. Once you agree to the terms, the money will be directly transferred into your bank account. There is no need for you to go to the bank in person to deposit a check or to pay any check-cashing fees.

Private & Secure

We use advanced and innovative encryption technology and high-level security measures that are widely recognized in the financial sector to protect and secure your personal information.

Automated Payment Method

When you give authorization to have your payments automatically withdrawn from your bank account (ACH transfers), your lender will automatically receive your payments on time so you won’t have to stress over missing a payment and incurring late fees.

Late Payments

Each lender has its own late payment policies. You must make sure to read and fully understand these policies as spelled out on your loan agreement before you decide to accept the loan. Some states have laws that limit late fees. In other states, the law allows lenders to charge late fees and when payments are late this may even accelerate the loan, which can mean it becomes immediately payable in full.

REMINDER: Before you agree to accept a loan, make sure you are able to make your payments on time and in full. We support the use of personal loans when entered into with full knowledge of the terms, rates and fees and when approached responsibly. No one understands your financial situation better than yourself.

Loan “Roll Overs” or Extensions

The laws in your state may put limits or even prohibit a lender’s from “rolling over” or extending your loan. Reach out and speak to your lender if you think you might need a loan extension.

Defaulting on a Loan

If it ends up that you cannot make your payments on time, you could be in default of your loan agreement. If this occurs, your lender may try using a debt collection service or similar methods to secure repayment. These efforts would be fair, handled professionally and comply with the law. Lenders should abide by the guidelines set forth by the Fair Debt Collection Practices Act when trying to collect loans that have been defaulted on. Late payments and defaulting on a loan can have a negative impact on your credit rating, which can make it hard to be approved for a personal loan in the future.

Please Be Responsible is not a direct lender and we are not taking applications or making loan or credit decisions. We are not acting as an agent, broker or representative on behalf of any lender. We provide a very unique service that connects you to a reputable lender from our vast network. We have no control over nor are we responsible for a lender’s decisions or their actions.

It is up to you to consider carefully how much money you actually need to borrow. It is not ever responsible to borrow more money than you can reasonably afford to repay, including paying back the principal plus interest. Read and make sure you understand all the terms, rates and fees of the loan you’re being offered. Go over the interest rate, the APR, your repayment schedule and the fees that come with the loan. If you fail to take all these factors into account and cannot abide by your agreement to repay the loan, this can have an adverse affect on your credit rating.

If it turns out that you cannot make your repayments on time, this not only affects your lender and their employees, but also will negatively impact your own finances due to late fees and added interest. This is why we at, want you to consider very carefully the long-term ramifications of taking out an installment loan and make sure you are confident that you can repay it according to the terms set forth in the agreement, before accepting.

We at take your future financial security and success seriously. If you have thought this through and are now ready to apply for the funds you need, we invite you to complete the request so that we can move the process along and connect you with one of our lenders to help get you the money you need as soon as possible!


Receive up to $1OOO direct to your account, in as fast as 24 hours START NOW