Klya Credit Loans | Instant Funding

Why Choose Klya Credit

Same-day Loan Funding

All you need is a debit card, and we’ll make sure you get money in your account as soon as 15 minutes.

No Origination Fees Or Prepayment Penalties.

Simple, honest loans. Prepay as much as you like. It’ll save you money in the end.

Build Your Credit

We report to the major credit bureaus. Get rewarded for reliably paying on time.

Our mission

The financial system is fundamentally broken. Banks won’t lend to 40% of Americans who can’t cover an unexpected $400 expense.* Meanwhile, overdraft fees and predatory lenders like payday loans keep Americans in a cycle of debt.

Our mission is to ensure all Americans, even with bad credit, have access to funds when they need it with a same-day loan that's funded in 15 minutes or less. We believe you shouldn’t need to read fine print to understand what you’re borrowing—and that you deserve every opportunity to build credit and create a strong financial future.

Join us. With Klya, you take control of your finances.

Klya Credit vs. the Others

No origination fees
Funding in minutes
Reports on-time payment bureaus

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Funding in minutes
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Opploans

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Apply Now

Tell us how much money you need
Answer a few questions about yourself
Choose your term and payment options
Enter your debit card to get funds instantly*
Start building credit with on-time payments

Why Choose Klya Credit

Same-day Loan Funding

All you need is a debit card, and we’ll make sure you get money in your account as soon as 15 minutes.

No Origination Fees Or Prepayment Penalties.

Simple, honest loans. Prepay as much as you like. It’ll save you money in the end.

Build Your Credit

We report to the major credit bureaus. Get rewarded for reliably paying on time.

Frequently Asked Questions

An unsecured same-day personal loan is a 100% completely online cash loan. The loan requires no collateral, such as a house, car or other valuable assets. Borrowers can access funds instantly, in as soon as seconds, with funding via debit card. Approval is based on an individual’s credit score and/or cash flow or income. Loans are paid back monthly for 6, 9 or 12-month terms.

Klya Credit is an online-only lender. We’re licensed to issue loans in 9 states, including Alabama, Georgia, Idaho, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, and Utah. We’re adding state licenses frequently, so please check back soon, if we’re not licensed in your state currently.

Klya Credit loan amounts depend on the state of residence. Loan amounts range from $500 to $2,000 in Idaho, Mississippi, Missouri, New Mexico, South Carolina, and Utah. Oklahoma residents can borrow up to $1,500, Alabama residents can borrow $2,000–$2,500, and Georgia residents can borrow $3,100.

When you take a loan from Klya Credit, you’ll know exactly what you’re borrowing. We charge a range of APRs between 59.99% and 120%. Our repayment terms are designed to be flexible to fit your financial situation. Choose between repayment terms of 6, 9, or 12 months. There are no origination or administration fees, however there are fees for late and returned payments. The amount you borrow is exactly what you’ll receive when your loan funds.

Klya Credit requires a minimum FICO score of 500, and a minimum income of $12,000 per year before taxes. We also require an active bank account, proof of income and identity.

Apply Now

Don't just take our word for it.

Here's what just a few of our clients have said about our services.