Better Financial Services for Employees & Retirees

Emergency loans and free financial tools for happier, healthier and more productive people.

You are more than your credit score
I’m an employee I’m retired I’m an employer
Better Financial Services for Employees & Retirees
You are more than your credit score I’m an employee I’m retired I’m an employer
10 Years of Experience
Sourcewell - Awarded Contract
Google Customer Rating - 4.7 stars BBB A Rating Trustpilot Facebook - 4.9 stars

BMG Money is the better loan solution for employees and retirees who are working on improving their credit scores.

  • Better Loan Offers 1

    Better Loan Offers1

    Loans ranging from $500-$12,000 & terms from 6-48 months and rates from 19.99%-35.99%

  • No Credit Score Require²

    Apply Regardless of Credit Score2

    You are more than your credit score

  • Easy Application 3

    Easy Application3

    Loan offers in minutes from any device

  • Instant Funding Available 4

    Instant Funding Available4

    Most borrowers get their loan proceeds deposited in their bank accounts instantly

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How to apply for a loan through BMG Money?

  1. Share your Employment Information

    If you are retired, share your retirement status you still may be eligible.

  2. Apply On-Line

    Tell us about yourself and provide required documentation if needed.

  3. Get Your Money

    Sign your loan documents and get your money with same day funding available. 4

Apply regardless of your credit score

We help employees and retirees across the United States

Security Focused

At BMG Money, we make it our priority to protect your privacy and safeguard your information.
  • - We protect accounts with multi-factor authentication, the use of firewalls and other safeguards.
  • - Our networks are monitored around the clock.
Security Focused

Frequently Asked Questions

If employed by an employer we work with, meet the employment requirements, reside in a state we do business in, 18 years or older and do not have an open bankruptcy, you may be eligible to apply. Other credit criteria may also apply. Approval is not guaranteed.

Your money is generally available 1-2 business days after you are approved, depending on your chosen funding method.
Read more FAQs

Customer Reviews

1 Loan amounts range from $500 to $12,000. Loan lengths range from 6 to 60 months. Annual Percentage Rates (APRs) range from 19.99%-35.99%. Many loans have a one-time 5% origination fee. Loans do not require repayment in full within 60 days from the loan issue date. For example, a $3,000 loan repaid in 52 biweekly installments of $76.00 over 24 months will have a 31.35% APR. Your loan’s details will depend on the amount and your payroll schedule.
Most BMG Money-branded loans are made by WebBank. As of 08/01/2025, loans to residents of Illinois, Ohio, and Rhode Island are made by BMG LoansAtWork, Inc.
BMG LoansAtWork, Inc. is licensed in many states. For more information, see https://www.bmgmoney.com/compliance.
Loans through BMG Money are provided at a significantly lower cost than most payday loans. According to the Consumer Financial Protection Bureau, “A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%". Your actual loan's details will depend on the amount and your payroll schedule.” Source: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

2 Your FICO Score will not be pulled or used for the processing of your loan application. Alternative credit scores are pulled and used in determining creditworthiness. We report payment history to all three major credit reporting agencies and failure to make payments may affect your credit scores.

3 A loan offer is not guaranteed. Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Loan terms are subject to verification of identity and credit information. Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

4 If you provide a valid debit card linked to the bank account where your primary income is generally deposited, Instant Funding is available within minutes of signing for your loan. For applications approved and signed by noon ET, same-day ACH funding usually is available. For applications approved and signed by 4:30 pm ET or on Sundays and holidays, funds usually are deposited the next business day.

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