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Help Centre

At Inspecta Loans we are always happy to answer any queries or questions that you may have. We have put together a list of the most commonly asked questions below. If you can’t find the answer below get in touch using our contact form.

  • What is an instalment loan?

    An instalment loan is a loan repaid in equal instalments over a period of time, usually within 3-6 months.
  • What service does Inspecta Loans provide?

    Inspecta Loans is provides its customers free access to a large panel of reputable US lenders, all through a simple online application form. (If a loan offer is obtained, the customer is under no-obligation to proceed with the loan).
  • What is a personal loan?

    A personal loan is an amount of money provided by a lender to a borrower to use for any purpose. It is generally a loan of a low amount that must repaid within 3-36+ months.
  • Am I eligible to apply for a loan?

    Each lender on our panel has their own unique criteria that they follow, however, the standard minimum set of requirements are that you are 18 years or older, US resident, have a regular source of income, and have an active bank account. If you are able to meet these criteria then you would be eligible to apply for a loan.
  • If approved, how soon will I receive my funds?

    If you are approved for a loan, you may receive your funding in as soon as one business day.
  • Can I apply if I have a poor credit history?

    Yes, we have lenders on our panel that specialise in providing loans to people who have a poor credit score.
  • Will you do a credit check on my profile?

    Inspecta Loans will not perform a credit check on your profile, however, if a lender accepts and proceeds with your application, they will carry out a credit check to assess your ability to repay the loan.
  • How much can I borrow?

    The lenders on our panel offer loans from $200 to $50,000. You may apply for an amount within this range.
  • How are repayments made?

    Repayments are collected directly from your bank account.
  • Is there a charge to use your services?

    No, our service is completely free to use. There are no hidden fees whatsoever. We are paid by our lenders for introductions.
  • Do I need a bank account to apply?

    Yes, it is a requirement of all lenders on our panel that you hold a bank account, in your name, to allow for the loan repayments to be collected directly from your account.
  • What is an APR?

    APR stands for annual percentage rate, and is a measure borrowers can use to compare credit charges.
  • Is your website safe and will my data be kept secure?

    Yes, our website is 256 bit SSL encrypted to ensure that all data you transmit through our platform is kept safe and secure. We strictly adhere to data protection regulatory conditions to ensure that your data is kept secure.

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How It works

Easy online application

Apply completely online in under 7 minutes. Only basic information required. No paperwork needed.

Get an instant decision

Find out in seconds if you’re approved. We search over 200 lenders in seconds to get the best loan offer for you.

Get your money in one business day

Once you’re matched to a lender and are happy to proceed with their terms, you could get up to $50,000