Simple Fast Loan is one of the leading loan awarding companies that offer instant loans to people with urgent need of cash to solve pressing needs. Simple Fast loans are nationally recognized and licensed to give financial services, which include personal loans, and online installment loans.

Getting financial help is now become very difficult due to many factors. However, despite the high odds of not getting a loan in this current, the Simple Fast loan tends to reduce these odds by making provisions that will help people with urgent need of cash get a loan at a low interest.

In this review, we will take an in-depth look at Simple Fast Loan, exploring its features, benefits, and potential drawbacks. We will also analyze the application process, eligibility criteria, and repayment terms, providing you with all the information you need to make an informed decision about whether Simple Fast Loan is the right choice for your borrowing needs. So, let’s get started and take a closer look at what Simple Fast Loan has to offer.

Simple Fast Loans Reviews

In reviewing the Simple Fast Loan, we will first provide some of the pros and cons of the loans and our general thought on the loan agent.

Pros of Simple Fast Loan

Easy Application Process

Simple Fast Loan has an easy application process that is done online. The application process is very straightforward and you all need to submit some of the credentials that are required for the loan application. The application doesn’t require any physical verification or meet-up before you can start processing your loan. This means that from the comfort of your home, you can apply for a loan.

Same Day Funding

Imagine the excitement you will get when funds hit your account the same day you applied for the loan. Simple Fast loan processes your loan application and once you meet up with their requirement for getting a personal loan, the funds will be deposited instantly to your bank account without any delay.

24/7 Swift Customer Service Support

Another thing that makes Simple Fast loan outstanding among other loan companies is the swift customer service support. When you face any difficulties during the time of your loan application or you want to make an inquiry, customer service is always fast to reply to you and swift in providing you with the help you need at any time.

Guaranteed Approval Even With Poor Credit Score

Getting a personal loan with a poor credit score is very hard these days as most companies only give loans to individuals with a good credit score. On Simple Fast Loan, you can get a personal loan even with a credit score as low as 300. So if your credit score is bad you can still get a loan.

$200-$3,000 Personal Loan Amount

Once your application has been approved by the Simple Fast loan, you are guaranteed of getting a personal loan of a minimum of $200 and a maximum of $3000.

Flexible Payment Duration

Simple Fast Loans have a flexible repayment system that allows you to choose the day that will be convenient for you to make the loan payment. If you are unable to meet up with the payment, you can still request for adjustment and they will be no penalty like late payment fees.

Simple Fast Loan Boost Your Credit score

Simple fast loan reports all your transaction with them to a credit bureau called the Equifax. If you clear your loan before the due time, it will be reported as a fast payment and hence your credit will be lifted by some point.

Cons of Simple Fast Loan

They Have A Variable APR

Unlike other loan companies that have a fixed APR, a simple fast loan has a variable APR which means that your interest may increase annually or decreases annually as the case may be. This will make repayment to be very hard for some people.

It Increases your Income To Debt Ratio

Not only Simple fast loan, but all other loaning companies also increase your debit margin which might hurt your credit score and shatter your financial profile. When your income-to-debt ratio is high, it will be hard for you to get some financial aid from other companies.

You Don’t Get The Amount You Requested For

Despite Simple Fast Loan having a guaranteed and instant deposit, you might not get the loan amount you requested for. On many occasions, people have complained that they get a low amount compared to the amount they wish. So you might apply for a loan of $2,500 and a Simple fast loan will end up giving you $600 with a ridiculous interest.

No Instant Funding For Debit Card

The only funding method available on Simple fast loan is instant funding to your checking bank account. You can’t get instant funding to your debit card which is very poor.

Deposit Is Not Instant As Portrayed

When you complete your application online, funds will be available in your account a banking day after the day of your application and sometimes it may take a longer time before the funds hit your account.

Is Simple Fast Loans Real

Simple Fast Loans is a financial service company that is fully licensed and nationally recognized for providing online installment loans. The company operates in several states including Alabama, Arizona, Delaware, Idaho, Missouri, Mississippi, New Mexico, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin.

They have over 4k reviews on Trustpilot one of the leading reviews forum with 88% of the reviews being 5 stars. This simply shows that they are legit and real.

Does Simple Fast Loans Check Credit

Yes, Simple fast loan does a rigorous background credit check on your account before they can approve your loan application. If your credit score is high, you tend to get a high amount and when it is low, you might get a low amount. In all, you can get a loan no matter how poor your credit score is.


Simple Fast Loans is a lender that offers a range of loan products to individuals who are in need of quick and convenient access to funds. While the company has some benefits, such as a quick and easy application process and the ability to receive funds within 24 hours, there are also some drawbacks to be aware of, such as high-interest rates and fees.


The key to making an informed decision about whether to use Simple Fast Loans is to carefully consider both the pros and cons of the company’s services. This means weighing the benefits of fast approval and quick funding against the potential downsides of high costs and potential financial risks.


Ultimately, whether Simple Fast Loans is the right lender for you will depend on your individual financial situation and your specific borrowing needs. If you do decide to use this lender, it is important to carefully read and understand all of the terms and conditions associated with the loan before you sign any agreements.

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