Best case in range
From 6.99% APR
up to 60 months
$20,000 over 60 months at 6.99% APR is about $396 a month. $50,000 at the same rate is about $990. That is the arithmetic at 6.99%, not what you will pay.
Personal loans for US individuals
Up to $50,000 from 6.99% APR. FICO 680 or higher.
An unsecured personal loan in your name — not a business line. Up to $50,000, from 6.99% APR, terms up to 60 months. No origination fee. No prepayment penalty. A complete file is typically reviewed in 24 to 48 hours. FICO 680 or higher is required. Meridian is a broker, not the lender. Approval and final terms are never guaranteed. Up to $50,000 from 6.99% APR, up to 60 months. FICO 680+. No origination fee. Review typically 24–48h. Not a guarantee.
How that offer is built
- Amount
- up to $50,000
- Rate
- from 6.99% APR
- Term
- up to 60 months
$20,000 at 6.99% / 60 mo $396 a month
That payment is the arithmetic at 6.99%, not your quote. The lender sets the rate, term and amount after review.
- FICO 680 or higher — below that, do not apply
- Unsecured · no origination fee · no prepayment penalty
- Review typically 24 to 48 hours after a complete file
- US citizen or permanent resident, applying in your own name
You finish on WhatsApp, in one tap. This is an application, not an offer of credit. We do not pull your credit on this form.
Process
Apply · file · review · lender decides
Who can apply
US person, FICO 680+
Guarantee
None. The lender decides
Fees
No origination, no prepay penalty
How it works
Meridian is a broker. We collect the file, review it, and present it to a lending partner. The lender decides. Nothing here is an offer of credit.
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1
Apply
Name, US mobile, home address, FICO range, income, employment, how much you want, up to $50,000. Under 680 the form stops here.
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2
WhatsApp
You write first. The message already has the private link to the document file.
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3
Your file
ID photos, SSN, proof of income, three months of personal statements, a utility bill. Then a short identity video (liveness): ID front, back, and a selfie with head turns.
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4
Review
A complete file is typically reviewed in 24 to 48 hours. That is review time, not funding.
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5
Lender
If the file is ready, a person presents it to a partner. Final rate, term and amount are theirs.
The offer, with the conditions attached
Every figure on this page is a ceiling or a “from”, not a quote for you. Meridian is not the lender.
FICO 680 or higher
Required, not a bonus
This is not a payday or title loan. If your score is under 680, or you do not know it, do not apply. We do not pull credit on this form; you attest the range.
up to $50,000 from 6.99% APR up to 60 months
Review of a complete file typically takes 24 to 48 hours. Funding, if a partner approves, follows their process after that. Meridian never quotes a wire date.
What we ask for, and what we do not
On this form
You and the range
Legal name, US mobile, home address, FICO band, income, employment, amount, purpose. No SSN on this page.
After WhatsApp
ID photos, SSN in the file (encrypted), proof of income, three months of personal bank statements, a utility bill, then a short identity video. Credit pull only with written authorization, by the lender.
Never
An origination fee to us, a wire or crypto “unlock”, a guaranteed rate, or an application under 680.
Important: This is not a commitment to lend. A lending partner reviews the file and sets the rate, term and amount. Meridian does not charge an application fee. Anyone asking you to pay to unlock funds is a scam.
A good fit if you
- Are a US citizen or permanent resident
- Have a FICO of 680 or higher
- Have a US mobile on WhatsApp
- Have steady income you can document
- Want a term loan, not a payday pitch
Not a fit if you
- Have a FICO under 680, or do not know your score
- Need a guaranteed approval or a quoted rate today
- Are applying from outside the United States
- Want a business loan — that is /funding
FAQ
Are you the lender?
No. Meridian is a broker. We prepare the file and present it to a lending partner. The lender decides whether to offer terms, and what those terms are.
Is 6.99% APR guaranteed?
No. It is the best rate in the range we can take to a partner. Your rate, term and amount are set after review. The $396 figure is what $20,000 over 60 months costs at 6.99%, not a quote for you.
Why 680?
This program is built for good credit. A FICO of 680 is the floor at the partners we use for personal loans. Below that, the file is not presented. We do not pull your credit on this form; you attest the range.
Will this hurt my credit?
This form does not. A lending partner may pull credit later, and only with your written authorization. That pull, if it happens, is theirs, not ours.
How fast do I get the money?
A complete file is typically reviewed in 24 to 48 hours. That is review time, not funding. If a partner approves, funding follows their process. We do not promise same-day money.
Is this a payday loan or a cash advance?
No. It is presented as an unsecured personal installment loan: from 6.99% APR, up to 60 months, no origination fee. Final structure is the lender’s.
I own a company. Should I use the business form instead?
If you want working capital in the company’s name, with no personal guarantee, use the company form. This page is a personal loan in your name.
Do I pay to apply?
No. There is no application fee. Anyone asking you to wire or send crypto to unlock funds is a scam.
Ready to see if you qualify?
Two minutes, then WhatsApp. No fee. FICO 680+. Not an offer of credit.
FICO 680+ No fee Lender decides