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Why Choose Porchlight Funds?


  • Emergency Cash when you need it most.
    A short-term loan can help you and your family meet unexpected expenses or simply get you through to the next paycheck. Short-term loans can also help you avoid late fees, utility reconnect fees, and bank overdraft charges.
  • Funds usually available next day.
    Fully approved and verified applications are typically funded the next business day. Some loans may be eligible for same day funding! Please make sure you are available via phone and email in the event more information is required.
  • All credit types considered.
    Porchlight Funds is an option for people with all credit types. We will verify your employment and banking information to determine if you can pay back the loan. If everything checks out, we are happy to work with you!
  • Lightning fast approvals.
    After completing our fast online application form, you will receive an immediate response. Pending verification of your identity and the accuracy of your loan application, we will guide you step-by-step until the money is deposited into your bank account.

Frequently Asked Questions

  • What is an installment loan?
    An installment loan is a short-term, unsecured loan extended to borrowers. The repayment is carried out over a predetermined amount of time and the loan is paid back in a series of payments, or installments that go toward the loan
  • What are your minimum requirements?
    Full Time W-2 Employee with email address, working telephone, checking account in good standing. All signed Loan Agreements are subject to verification of prior loan history and application data. For a complete list of minimum requirements, please check our Requirements page.
  • How much money can I borrow?
    Our Installment Loans range from $100 - $1000.

    The minimum required payment will be deducted from your bank account via ACH or Electronic Check. Your minimum payment will be comprised of fees, interest and principal every due date, which will coincide with your pay dates. If you would like to reduce your balance or pay in full, simply contact our office at 833-690-0698. If you are unable to reach us via telephone, simply complete our contact us form and someone will get back to you by the next business day.
  • When will the money be in my bank account?
    If your application is received, verified, and e-signed before 4PM Eastern Time on a banking day, we will transfer the money to your bank overnight, and the funds should be posted to your account the next banking day.
  • When will I hear back for you?
    During our normal business hours of 9am to 5pm Eastern Time, we will contact you by telephone within 15 minutes after we receive your application.

For a comprehensive list of FAQs, please click here.