Must have the following items:

1. You must be at least 18 years of age
2. You need to have an open bank account in your name
3. You must have a working email address and phone number
4. You must be a U.S. citizen or permanent resident
5. You must receive regular income

To be approved for a loan you need to meet the minimum requirements. Blue Oak Credit will evaluate your application and determine whether you are eligible for a loan. Blue Oak Credit does not make loans to active duty military members or dependents, and does not loan to consumers with open bankruptcy proceedings.

The loan is electronically deposited directly into your bank account.

We accept and process applications 24 hours a day, every day of the year. However, once your application is submitted it may require additional verification which can only be done during normal business hours. Please keep in mind that we can only electronically deposit money to your bank account on days when your bank is open.

Blue Oak Credit can help you get up to $2,000 based on the information that you provide to us on our quick and easy loan application. We may offer you a smaller loan until you establish a payment history with us.

The terms are disclosed during the application process when you are directed to our website. At this point you have NOT accepted the loan. If, when the terms are disclosed, they are not acceptable to you, do not sign the agreement.

The best way to minimize the cost of your loan is to pay the loan off early. You can pay more than the scheduled amount, make extra payments, or pay the balance in full as soon as you are able.

Our costs are straightforward. For details on Fees and Rates, please go to our Rates page.