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How it Works

  • 1.

    Fill out the quick online application. Applying online is easy. Fill out our form - it only takes a few minutes - and be on your way to a fast cash loan. It's secure, quick, and easy. Providing accurate information helps us process your loan faster.
  • 2.

    Receive an Approval Decison in minutes. We have a powerful decision engine tied to our website that provides you with an answer to your loan request in minutes. If we are unable to help you, you may be offered a loan by one of our partners.
  • 3.

    Get Cash in your account. We make the loan process as fast, easy and as convenient as possible. When you're approved for a loan from Sierra Lending you should recieve your funds by the end of the following business day, depending on your bank.

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Welcome to Sierra Lending

tree with moneyWe know that money doesn't grow on trees, but here at Sierra Lending we're dedicated to making the loan process as easy as can be. When you need cash fast, we want to provide you with easy access to a loan. That's why we offer Quick Approvals and longer hours - so we're here when you need us.

You don't have to worry that your lack of credit history or bad credit score will hold you back. We understand how people can fall behind sometimes and need assistance when banks and other sources of emergency cash are unwilling to help. We're willing to overlook your less-than-stellar credit history if you qualify with a good job, a bank account with direct deposit, and if you meet our other underwriting guidelines. Check out our FAQ page if you have other questions about our loan process or don't waste another minute; Apply Online Today.


Consumer Rights Coalition

The CRC (Consumer Rights Coalition) is dedicated to preserving access to credit. Visit the CRC website now to share your story and to hear from real consumers across the nation about the importance of access to credit.

  • More than 200,000 consumers have joined
  • Sign up to protect your rights
  • Take action ... Get the facts!
Visit the Site Now

Returning Customers: To Keep Your Account Current, Update Your Account Now!

Sierra Lending is no longer processing payments via bank draft and is in the process of adding the option of the Debit Network. The Debit Network acts exactly like the ACH Bank Drafts that you have become accustomed to, however, debits provide more security than a bank draft - with added convenience. A debit is an instant transaction rather than a delayed transaction that remains pending. Pending transactions make managing cash flow difficult and they are how banks generate the majority of their overdraft fees.

To add a debit card to your customer account, simply log in to your account. If we do not have a debit card on file for you and you have an open loan, you will be directed to a form to add a debit card.

Log In to Your Account Now


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