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How It Works

  • Apply

    Apply online in less than five 5 minutes

  • Approved

    Receive instant online pre-approval**.

    ** While you will know in seconds if you are pre-approved, additional verification maybe need before you will receive your cash.  Most applicants will still need to have one of our service representatives contact them to discuss the terms and conditions of the loan agreement, verify employment and require bank account information to verify income.

  • Funded

    We can wire your loan funds to your bank account (typically you will have the funds the same day) or you can have your funds electronically sent to your bank checking account typically on the next business day.

    ** Getting a wire is an expensive way to obtain your funds. Spring Water Financial will charge you a $20 wire processing fee and your bank most likely will charge you an incoming wire fee from $10 to $30. Getting your funds the next business day is the least expensive way to go.

  • Repay

    We give you options.  We recommend that you pay your loan off on your next pay date.  However, you can just pay the scheduled installment loan payments per your loan agreement or you can add additional funds to your scheduled loan payments to pay down your loan balance faster (without incurring a penalty).  You just need to call us three (3) business days before your payment is due to setup the additional payment.

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How our Installment Loan Works

Installment loans typically involve borrowing an amount less than $800 for a short period of time. Fees are typically set at $30 per $100 borrowed.  At the start of the loan you have the option of just paying the scheduled loan payment, applying an additional amount that will go to the principal or pay the loan off.  The faster you pay down on your loan, the less interest you will ultimately will pay.


Spring Water Financial suggests that you consider paying more (when it is possible) on your scheduled loan payment dates.  The extra amount goes completely to your loan balance.

  • Loan Application Requirements

    You must meet the following requirements to become eligible to receive an installment loan from Spring Water Financial.

    • Have an active checking account that is at least six months old and in good standing
    • Must have consistent income for at least six months
    • Must be a US citizen or permanent resident
    • Be at least 19 years.  Some states will have higher minimum age requirements

  • The money should be used for:

    1. Medical emergencies
    2. Unexpected utility bills
    3. Car repairs
    4. Emergency situations that require access to fast cash

  • The Benefits include:

    1. No need to visit your local bank
    2. Apply in the privacy of your home or at work
    3. Quick access to quick cash when you need it
    4. Fast pre-approval and processing
    5. Stress relief!
    6. You are dealing with a real lender, not a broker
    7. No need to visit a cash advance payday loan store
    8. We offer repayment terms that will work with your current paycheck situation

  • The FlexPay Process:

    1. Decide on the amount you need to borrow up to $800*
    2. Click on the blue “Apply” button
    3. Fill out the simple online form
    4. Once approved, the funds will be transferred to your bank account


    * Most of our first time borrowers will only qualify for a loan up to $300.  All loans will require additional documentation and verifiable proof of income.


    ** While you will know in seconds if you are per-approved, additional verification maybe need before you will receive your cash.  All applicants will still need to have one of our service representatives contact them to discuss the terms and conditions of the loan agreement, verify employment and require bank account information to verify income.

    Loan Funding Schedule

    If loan is approved on a Monday – Generally, loans approved before 3:00 PM PT (Pacific Time) will be funded Tuesday.  However, we also offer same day funding.

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