How do I repay my easy money loan?

Your lender will lay out all the details in your loan agreement—things like APR and repayment terms. Review it before accepting so you know exactly what to expect.

What do I need to apply for a no hard credit check loan?

Typically, you must: 1. HHave an active bank account in your name (at least 30 days old). 2. Be at least 18 years old or older. 3. Live in the area served by our lenders.

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Q: What if I am late on payments?

Lenders have varying policies regarding late payments. Generally, if you’re late, a fee may be charged. Life happens, so it’s best to set a reminder to avoid late payments. Contact your lender directly for details.

Q: What if I am late on payments?

Lenders may impose late payment penalties if you miss a payment. It’s wise to set up reminders to ensure timely repayment. Contact your lender directly for specific details.

Q: What’s required for same day funding?

To get your cash same day, just make sure you: 1. Get approved for a loan from a lender offering same day funding. 2. Have a valid debit card on file with your account.

Complete an online application and get connected with easy money loans in minutes.

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You can apply for a loan amount between $100 and $3,000.

How Much Do You Need?

$100 - $500

$501 - $1000

$1001 - $2000

$2001+

Why Chill Money?

Super easy application

Fill it out in just a few minutes to access easy money loans. No stress, and no hoops.

Options for you

We’ll connect you with easy money loans without the usual hassle.

Really quick cash

Funds are deposited into your account, ensuring you get your money fast.

Why choose online loans?

Forget the bank hassle. Unlike traditional loans, online loans put you in control. With no hard credit check required, and no long wait, you can access an easy money loan quickly—even if you have less-than-perfect credit. If approved by a lender, you receive your loan amount upfront and repay with interest according to the loan agreement. This simple process is designed to help you get easy money loans when you need cash without delay.

What about fees?

Chill Money’s services are provided free to you. However, the lender you match with may charge fees or interest based on the loan terms. Before signing, the lender will disclose the terms so you can review all terms carefully. No surprises – just full transparency so you can make the right call.

What is “annual percentage rate” – APR?

The annual percentage rate (APR) is the yearly cost of borrowing, expressed as a percentage that reflects the true cost of funds over the term of your loan. Because loan structures vary, the APR offers a standardized way to compare offers. Chill Money is not a lender; please contact your chosen lender for specific details about your loan.

Our Online Loans Details

Eligible amounts

$100–$3000

Loan term

Repayment terms vary by product and state regulations. Installment loans - up to 180 days. Open-end Line of Credit - minimum payment required at least monthly.

Payment extension

3 – 5 days *Terms apply. Extension eligibility varies and interest/fees may continue to accrue.

Credit check

Soft credit inquiry - no impact to your credit score

Return fee

0 - $30 where applicable

Can you receive multiple return fees?

If applicable, return fee may be charged on a single payment that is returned.

Late fee

Up to $10 where applicable

Does the minimum payment decrease my principal balance?

A portion of the minimum payment is applied to reduce the outstanding principal.

How often will a payment be due?

Payments are conveniently structured to be budget friendly.

Do we accept partial payments?

Yes

Minimum draw requirements

May apply depending on product/regulations.

Annual Percentage Rate Disclosure

chillmoney.ie is not a lender – we do not set the APR you receive. We display a Representative APR based on data from multiple lenders. Your loan amount, APR, and repayment term may vary based on your creditworthiness, state, and the lender’s criteria. Note: Some lenders and services may not be available in all states due to local regulations.

FAQs – Frequently Asked Questions

Got questions? No worries. Here’s the lowdown on getting fast, easy money loans with Chill Money.

What’s required for same day funding?

Approval from a lender offering same day funding.
A valid debit card on file with your account.

What qualifications are needed?

Typically, you must have an active bank account for at least 30 days, be at least 18 years old, and reside in a region where our lenders operate.

How do I repay my loan?

Each lender specifies repayment terms in the loan agreement. Review the agreement carefully—especially the APR and repayment details—before accepting a loan.

What if I am late on payments?

Lenders may assess late fees if a payment is missed. It’s best to set a reminder to avoid late payments. Contact your lender for specific terms.