Have a question? Frequently Asked Questions

Military members who are now serving or who have served honorably in the past in any branch of the US Armed Forces may apply. Veterans, Reservists, National Guard, and all immediate family members of current or former military personnel are also eligible to apply for military personal loans or military credit cards. Active Duty Status may, in some cases, disqualify you from applying for a loan, but ALL active duty military may apply for ANY card.

Yes, spouses and other family members or dependents can qualify to apply for a military loan or military credit card. If you have a spouse or family member in the military or are otherwise a financial dependent of a military member, Military-Loans.com invites you to apply for a personal loan with fixed terms and affordable rates or a military credit card with special military benefits for servicemembers and their families.

Applying for a military loan will, in most instances, generate only a "soft inquiry" to your credit report, which will NOT affect your credit score and will NOT be seen by other creditors, unless you decide to accept a loan offer, in which case a "hard inquiry" will likely appear on your credit report reflecting that you have taken out a new loan. Military credit card applications go through a somewhat different process (though the card approval process is usually much faster than the process for military personal loans) and a credit inquiry should be expected.

Absolutely! You will be able to review the rates and terms of all loan and card offers before making a committment.

After your military loan has been funded, you may use your money however you want. If you need extra money for debt consolidation, relocation, home improvements, a vacation, a small business, a car or truck, or anything else - that decision is yours. Military credit cards can be used for any new purchase wherever credit cards are accepted. Some cards offer the ability to transfer balances or to access cash advance functionality from a bank or an ATM.

Yes, you can apply for a military loan with bad credit. These personal loans have fixed rates and affordable payments for those who have less than perfect credit and who may need to correct past financial mistakes.

No, you will not be penalized or charged fees if you choose to repay the loan before the term expires. We believe that no one should ever be punished for being financially mature and responsible enough to pay off a loan early.

Within days of approval of your loan application, the funds will be directly deposited into your banking account. Once the money is deposited into your account, you are free to use your loan proceeds for any purpose you wish.

Yes, disabled veterans are eligible to apply for a disabled veteran military loan. We have made the application as easy as possible on injured vets with a fast, easy, paperless process. All veterans may also apply for credit cards.

All current and former military members and their spouses and family members are eligible to apply for military credit cards. Learn about our military credit cards here.

Military credit card benefits can include low rates, cash back, no foreign transaction fees, no annual fees, special reduced rates for active duty military members and spouses during a deployment or a PCS, the ability to transfer balances from other credit cards, and the opportunity to help build up your credit score & credit history over time. Military servicemembers are amongst the most disciplined and responsible - and should be rewarded accordingly.

Click the Login link in the menu at the top of the website. Fill in your username and password, and hit submit! If you are having problems logging into your account, contact us here.

Military-Loans.com hours of operation are Monday - Friday from 8am to 5pm EST. Loans are approved only on business days, but you are free to apply online at any time. Military-Loans.com is closed on bank and financial institution holidays.