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How it works

Our short term cash loans are as easy as 123

Apply online

Use our plain and simple application.
It’s quick, secure and confidential.

Get answers in seconds

If approved we’ll tell you how much you’re approved for in just moments

Get your cash

Your approved loan funds can be deposited as early as the next business day.

Rates & Fees

Loan amounts vary by state. Loans are subject to approval pursuant to standard underwriting criteria. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement. APR and payment amounts may vary based on initial term, state and loan amount; the final payment amount is determined by your payment history. (1)

Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. For more help please see our Policy on Responsible Lending.

(1) All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Some states are not lent in. Terms and conditions apply. A successful loan payment is made on time, for the full amount due, and is not returned (i.e. NSF or bounced). If you skip a payment, or if your payment is late, or is returned, you may incur additional fees. Complete disclosures of APR, fees and payment terms are provided with the Loan Agreement. Annual Percentage Rate (APR) varies from 65.35% - 1409.36% and is based on state, loan term, loan funding date and other underwriting considerations. Please see the Loan Document for complete disclosures of APR, fees and payment terms. Sigma Solutions INC is licensed by the Department of Financial Institutions Oversight pursuant to section 70C of the Utah Code. All loans are made by Sigma Solutions INC a Utah registered and incorporated company. Please see the FAIR LENDING POLICY STATEMENT for more information.


This is an expensive form of credit. Sigma loans are designed to help you meet your emergency borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you don't make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA).