Everything you need to know about ActiveHours loans — from application to repayment, credit checks to data security.
Click the "Apply Now" button on any page. You'll complete a short online form — takes under 5 minutes — providing your name, address, SSN (last 4 digits for verification), employment details, monthly income, and bank account information. No documents to upload, no offices to visit.
Before starting your application, have these items nearby:
Applying is completely free and imposes no obligation. You will never be asked for any payment before receiving your loan. If any company asks you to pay a fee before disbursing a loan, that is a scam — do not pay it. ActiveHours charges a finance fee only after loan funds are disbursed, and only as disclosed in your signed loan agreement.
Yes. Our application is fully mobile-optimized and works on any device — iPhone, Android, tablet, or desktop. No app download is required. Simply visit activehours.us in your mobile browser.
No. ActiveHours performs only a soft credit inquiry (soft pull) during the application review. Soft pulls are invisible to other lenders and do not affect your FICO score, VantageScore, or any other credit scoring model. You can apply as many times as you like without worrying about score impact.
Yes. We do not use a minimum credit score as an automatic cutoff. Our primary evaluation criterion is your current verified income and ability to repay on the agreed date. Many customers with poor credit scores, thin credit files, or past bankruptcies successfully receive loans from ActiveHours.
That said, we do consider credit information as one factor. If you have very recent delinquencies or open collections on active accounts, it may affect your approval.
Most decisions are returned in under 15 minutes. Our automated decisioning system operates 24/7, so you can apply at any time — midnight, weekend, holiday — and receive a response quickly. You'll be notified by email and SMS as soon as a decision is made.
We are required by the Equal Credit Opportunity Act (ECOA) to provide you with an adverse action notice explaining the reasons for denial. Common reasons include: insufficient or unverifiable income, residing in a state where we don't operate, inability to verify identity, or active delinquencies on other accounts.
If you believe your application was denied in error, contact our support team at support@activehours.us.
Most approved customers receive funds within one business day of signing their loan agreement. Applications signed before 11 AM Eastern Time on a weekday have a good chance of same-day deposit, depending on your bank's ACH processing schedule.
Please note: weekends and federal holidays can delay ACH transfers by one business day.
We use standard ACH (Automated Clearing House) direct deposit. Funds go directly to the checking or savings account you provided in your application. We do not issue checks, money orders, or prepaid cards. Prepaid debit cards are not eligible for loan disbursement.
Repayment is fully automatic. On your agreed repayment date, the total amount (principal + finance charge) is debited from your bank account via ACH. You don't need to log in or take any action. We send a reminder 3 business days before the due date so you can make sure funds are available.
No prepayment penalties — ever. If you want to repay your loan before the due date, contact us by phone or email and we'll process the repayment immediately. You pay only the agreed flat finance charge — no additional interest for the remaining days.
If the ACH debit fails due to insufficient funds, your bank may charge an NSF (non-sufficient funds) fee. We will attempt the debit again and may charge a returned payment fee per your loan agreement and state law. If you know in advance you'll have trouble, contact us before the due date — we have options to help.
We operate in most US states. States that restrict or prohibit short-term consumer lending (including New York, New Jersey, and Connecticut) are not served. Your state's availability is checked automatically during the application — if we can't serve your state, we'll tell you immediately.
No. You need a regular, verifiable income of at least $800/month — but it doesn't have to come from traditional employment. Acceptable income sources include: full-time or part-time employment, self-employment, disability benefits (SSI/SSDI), Social Security income, pension, workers' compensation, and certain government assistance programs.
Yes. All data transmitted through activehours.us is protected by 256-bit SSL/TLS encryption — the same standard used by major banks. We comply with the Gramm-Leach-Bliley Act (GLBA), which governs how financial institutions handle consumer data. Access to your application is restricted to ActiveHours personnel directly involved in processing your request.
No. We do not sell your personal data to third-party marketers, data brokers, or advertisers. We share data only as required by law (e.g., to verify identity or to comply with a court order) or with service providers that support our loan operations (e.g., payment processors), under strict data protection agreements. See our full Privacy Policy for details.
No. Our policy (and many state laws) allows only one active loan at a time. Once you fully repay your current loan, you may immediately apply for a new one. Returning customers with a positive repayment history may be eligible for higher loan amounts on subsequent loans.
You can reach us by phone at +1 (888) 555-0195 (Mon–Fri 8AM–8PM ET, Sat 9AM–5PM ET), by email at support@activehours.us, or via our contact form. A real person handles every inquiry.
Contact us before your due date — not after. The sooner you reach out, the more options we have. We may be able to offer: a loan extension (rollover) for an additional fee, an extended repayment plan splitting the balance into smaller payments, or a hardship review for exceptional circumstances. Late payments may result in additional fees per your loan agreement and state law.
This depends on your state's regulations. Many states limit or prohibit rollovers specifically to protect borrowers from debt cycles. We strongly discourage using rollovers as a regular strategy — each rollover adds a finance charge without reducing the principal. If you're finding it difficult to repay, an extended payment plan is usually a better option.
5-minute application. 15-minute decision. Cash tomorrow.
5-minute application · No hard credit check
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