Last Updated: 04/18/2025
Aspen Financial Direct Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
112% - 275%(Verified 06/21/2024)
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Amount Range
$500 - $5,000
Loan Term (Months)
12 - 24
Number of Reviews
Aspen Financial Direct Personal Loans Review
Aspen Financial Direct Personal Loans is offered by Aspen Financial Solutions, Inc, a direct lender founded in 2018 and based in Santa Fe, NM. Aspen Financial are available in 12 states.
What rates and terms does Aspen Financial Solutions, Inc offer?
Aspen Financial Solutions, Inc has higher interest rates than the average for lenders reviewed on SuperMoney.
What personal loan APRs does Aspen Financial Solutions, Inc offer?
Aspen Financial Solutions, Inc offers a fixed APR personal loan product that ranges from 112% APR up to 275% APR. Interest rates vary by state.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via Aspen Financial Solutions, Inc?
Loan amounts start at $500 and go up to $5,000.
What can a personal loan from Aspen Financial Solutions, Inc be used for?
Personal loans from Aspen Financial Solutions, Inc are typically used for special purchases or similar purposes.
What is the maximum loan term you can get with Aspen Financial Solutions, Inc?
Aspen Financial Solutions, Inc offers personal loans with terms ranging from 12 to 24 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
| Loan Amount | $500 - $5000 |
| Loan Term | 12 - 24 months |
| APR | 112% - 275% |
What fees does Aspen Financial Solutions, Inc charge?
Do Aspen Financial Direct Personal Loans charge an origination fee?
Aspen Financial Direct Personal Loans do not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Do Aspen Financial Direct Personal Loans charge a late fee?
Yes, Aspen Financial Solutions, Inc may charge borrowers a late payment fee
Do Aspen Financial Direct Personal Loans charge prepayment fees?
No, Aspen Financial Direct Personal Loans do not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
| Origination Fee | N/A |
| Prepayment Fee? | No |
| Late Payment Fee | N/A |
What do you need to qualify for Aspen Financial Direct Personal Loans?
When it comes to credit scores, Aspen Financial Direct Personal Loans doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Aspen Financial Direct Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Aspen Financial Direct Personal Loans. An uncommon feature is for lenders to offer their services to non-residents. Aspen Financial Solutions, Inc is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Aspen Financial Direct Personal Loans will consider you for their services.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Proof of identity
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 300 - 850 |
What is the estimated funding time for a personal loan via Aspen Financial Solutions, Inc?
Aspen Financial Solutions, Inc will typically fund personal loans within 10 business days of approval.
Does Aspen Financial Direct Personal Loans report your account activity to credit bureaus?
Yes, Aspen Financial Direct Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Aspen Financial Solutions, Inc perform a hard credit pull?
Yes, Aspen Financial performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
Closed