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All they need is a TymeBank EveryDay account, …Personal loan: As of February 12, 2024 the fixed Annual Percentage Rate (APR) ranged from 8.74% APR to 24.99% APR, and varies based on credit score, loan amount, purpose and term.Minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-customers). The lowest APR in the … The first step in applying for a loan through OppLoans is to fill out our online loan application. To be eligible for a lending product through OppLoans, potential borrowers must: Be 18 years or older; Have a bank account (checking account or saving account) Reside in one of the states in which we currently operate Cash advance apps typically work by allowing users to borrow money against their next paycheck. Some apps track work hours while others rely on monthly direct deposit history. 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