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Echo Credit Review

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Free Application Form
$100 - $1,000 PAYDAY LOANS
$1,000 - $35,000 INSTALLMENT LOANS

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A line of credit from Echo Credit is the new, more flexible way to borrow cash for life's unexpected expenses. Learn more about how it works.

Echo Credit Products & Services

Echo Credit Rates and Fees

Echo Credit interest rates and terms vary depending on the loan product you choose, where you live, your income, and your credit history. This table provides you with a range of rates, so you can get an idea of what a Payday loan, Installment Loan and Personal Loan may cost.

MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$2600
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

200%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

$500
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

349%
Terms

Terms

It’s the period of time within which you are to pay off your loan.

24 months
Turnabout time

Turnabout time

It's the period of time within which you get the money.

1 - 2 business days
Find out more Apply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$2600
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

200%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

$500
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

349%
Terms

Terms

It’s the period of time within which you are to pay off your loan.

24 months
Turnabout time

Turnabout time

It's the period of time within which you get the money.

1 - 2 business days
Find out more Apply online

....

Smaller tax return than you expected? Apply online for quick cash. Apply

States where Echo Credit is available

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 47 states
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

How does Echo Credit Line of Credit work?

Echo Credit provides $500 - $2600 amounts of Line of Credit at a fixed APR that ranges from 200% to 349%.

There is no origination fee, no cash advance fee, no late payment fee. Echo Credit will approve you for the funds in less than an hour and deposit the money within 10 business days. 

echo credit works

  1. Apply for your Line of Credit online.
  2. Get approved in minutes and request as much or as little cash as you need up to your Credit Limit and get it as soon as today.
  3. Once approved, request cash anytime you need it – now and in the future. No new application necessary.

How to qualify for Echo Credit loan?

  • You should be at least 18 years of age.
  • Permanent employment.
  • There is no a credit score minimum requirement, no minimum annual income eligibility requirement. 
  • An active banking account.
  • ID and proof of income.
  • Echo Credit does not have or does not disclose a minimum annual income eligibility requirement. Echo Credit only considers borrowers who are employed.

Why Echo Credit?

Echo Credit benefits

  • A line of credit from Echo Credit is the new, more flexible way to borrow cash for life's unexpected expenses.
  • Because your account with Echo Credit is a line of credit, you only have to apply once and you can come back for cash whenever you need it.
  • With Echo Credit there is no application fee, no cash advance fee, no prepayment fee, no late fee and no annual fee, ever.

Echo Credit contact information

Call the Customer Support: 1-877-606-1340

Hours of Operation:

7 a.m. – 9 p.m. CST, Monday – Friday
8 a.m. – 4 p.m. CST Saturday

Customer Support Fax: 1-888-207-3211

Or e-mail the company at PO Box 42994, Philadelphia, PA 19101

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Echo Credit CUSTOMER REVIEWS

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NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

Loans for ANY  NEEDS
APR from 4.99%

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