Fast Access Financial

Fast Access Financial

 3.7/5 (6 reviews)
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Overall Rating3.7 out of 5
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About Fast Access Financial

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Fast Access Financial is a loan company that gets borrowers cash while helping build credit. It offers personal loans, car title loans, mortgages and closing cost loans. You can complete the application process online or by phone with a representative. As soon as your application is approved and you’ve submitted all documents, funds can be released within 24 to 48 hours. Loan terms range from 12 to 36 months, and APRs start at 9.9%.

Pros & Cons


  • Multiple loan types
  • No early repayment fees
  • Up to 36-month terms


  • Cash loans capped at $10,000
  • High interest rates

Bottom Line

Fast Access Financial offers multiple loan types to help get you cash while building your credit. It’s not a payday loan and offers repayment terms of one to three years. There are no fees for early repayment.

Top Fast Access Financial Reviews

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I had a truly wonderful experience. Samantha's customer service and professional knowledge exceeded my expectations. Friendly and professional. Samantha made the process fast and ...

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I have worked with Fast Access a few times and they have helped me close deals when my clients were a few thousand short and unable to get funds to close their deal. These guys kn...

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What is Fast Access Financial?

Fast Access financial is a lender for multiple loan types These include personal, car title, mortgage and closing cost loans. Its loan terms range from one to three years, and interest rates depend on the borrower’s credit history and score. The company will consider potential borrowers with poor credit, however. Fast Access Financial also won’t penalize you for paying off a loan early.

Fast Access Financial is structured to help you get cash while you build credit — it’s not a payday loan company. Its cash loans range from $1,000 to $10,000, and it offers mortgages of up to 85% of the loan-to-value ratio. Fast Access Financial’s APRs start at around 9.9%.

How does Fast Access Financial work?

You can complete Fast Access Financial’s applications online or by phone, and you’ll receive approval in as little as 24 hours. To start the process on the website, you’ll need to provide your name, contact information, employment information, income and a credit check authorization.

After you submit your application, Fast Access Financial will determine your eligibility. In the case you’re approved, you’ll have to provide additional identification verification, references, a bill to confirm address and a pre-authorization payment form. Once this documentation has been submitted and verified, you’ll receive loan paperwork to be signed. Funds will then be released within 24 to 48 hours.

Fast Access Financial services

Fast Access Financial’s loan services include:

  • Personal loans up to $5,000
  • Car title loans up to $10,000
  • Mortgage loans up to 85% of the LTV
  • Closing cost loans for closing a deal

Payment terms range from 12 to 36 months, and interest rates vary based on the borrower’s credit. APRs start at around 9.9%, but there aren’t any early repayment fees if the loan is paid off before the term ends.

Fast Access Financial rates

Fast Access Financial’s APRs range from 9.9% to 58.99%, depending on the borrower’s credit history and employment information. The loan amount also has an impact on the APR.

There are no fees for repaying a loan early; however, Fast Access Financial does charge a fee for insufficient funds. This is $100 plus any fees from your financial institution. As with any loan, you can expect an impact on your credit score, and Fast Access Financial reports to Equifax.

Fast Access Financial FAQ

How long do I have to pay back my Fast Access Financial loan?

Terms range from 12 to 36 months.

What is the APR for a Fast Access Financial loan?

Your APR is based on a variety of factors. However, you can plan on an APR of at least 9.9% with Fast Access Financial.

What is the maximum loan amount from Fast Access Financial?

It offers personal loans up to $5,000, car title loans up to $10,000 and mortgage loans up to 85% of your loan-to-value ratio.

What are Fast Access Financial’s loan requirements?

Fast Access Financial will consider a wide range of borrowers, including those with poor credit scores. Your eligibility depends on employment status and history, income information, references and banking information, however.

How long does it take to get a loan from Fast Access Financial?

Once an application is approved, funds can be released in 24 to 48 hours. This is after all application documents have been received and approved and the promissory note has been signed.

Is Fast Access Financial legit?

If you need immediate cash and don’t have great credit, Fast Access Financial is a legit option. It offers four loan types, with cash loans up to $10,000 available. Its repayment options range from one to three years, and it doesn’t charge early repayment fees. With Fast Access Financial, you might have the opportunity to get cash quickly while building your credit for the future.

Fast Access Financial Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: June 21, 2022

Great customer service! We had some difficulties to connect my QuickBooks to our bank account. We received an effective and considerable support from the Fast Cloud Global team. They were patient, friendly, experienced and professional and resolved the issue promptly and effectively. Great Job!!

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Verified Reviewer
Original review: Jan. 3, 2019

I had a truly wonderful experience. Samantha's customer service and professional knowledge exceeded my expectations. Friendly and professional. Samantha made the process fast and easy. Answered all my questions and made me feel at ease. I would highly recommend this service to my friends and family. Thank you so much again Samantha.

4 people found this review helpful

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    Verified Reviewer
    Original review: Aug. 16, 2016

    I have worked with Fast Access a few times and they have helped me close deals when my clients were a few thousand short and unable to get funds to close their deal. These guys know how to build your credit back up and are friendly and flexible with their terms. It is VERY difficult to find a company that makes you feel like they actually care about you, so I keep coming back to them with my needs for clients.

    4 people found this review helpful
    Verified Reviewer
    Original review: July 14, 2015

    I had a loan with this company several years ago. All payments were made on time and the loan was paid off as agreed. Sounds like the perfect scenario doesn't it? All payments made - should help my credit rating shouldn't it?! It says they report to Equifax right on their website under "BENEFITS" doesn't it?! WRONG!! I recently checked my credit rating and the loan was showing not as paid but as "status unknown". I called the company and got some BS excuse as to why they couldn't update the credit bureau records and they sent me a letter to send to the credit bureau saying the loan was paid in full. Companies like this are NOT here to help you. Avoid them at all costs!!

    16 people found this review helpful
    Verified Reviewer
    Original review: April 17, 2015

    There are two other reviews about Fast Access on this site. These ladies are extremely helpful. I have a loan with them, and I requested to have my payment reduced. They not only reduced it, but helped me even further by taking some interest off as well. Anyone who needs help they should think of Fast Access first. They are customer focused and extremely helpful. I will use them again (once I am paid off) if I ever need any help in the future.

    If you have bad credit normally people look at you like you have some sort of disease. This company - from my personal experience - do not look at you like that. Instead they look at you as a person. A PERSON who needs help and as long as you keep them in the loop, don't miss payments, they will work always with you if you with regards to payments. I know they make more money if you take longer to pay, but when you are on a fixed income, the short term, is what matters. And over the long term, it will be paid.

    7 people found this review helpful
    Original review: Aug. 30, 2013

    I have applied for a loan as I do not have good credit; however I got a call at home when I specifically stated on the application to call me at work. Secondly, the rep asked me the same questions I filled out on the online application that makes no sense at all. However, I answered them. Then she asked about my credit. I informed her I have bad credit. There are a few items in collection and so. My understanding of bad credit is, "A past failure to keep up with your credit agreements and the inability to get approved for new credit. It means you haven't paid your past credit obligations on time, if you've paid them at all. You may have had accounts sent to a collection agency, charged high balances, filed bankruptcy or had a vehicle repossessed. Bad credit usually occurs when these things happen several times rather than just a single time." I must say if Fast Access Finance does not know what bad credit is, they need to go back to school and learn, also don't have a website with misleading information on it.

    30 people found this review helpful
    Original review: May 11, 2010

    I applied for a loan online. Fast Access phoned me back and told me that there were a few questions they needed to ask me. So I answered the questions. They told me they just needed to check me out and they would get back to me. I found it weird that she called me back at 8 o'clock when the office closed at 7. So she tells me that she found me a lender that would loan me 5000 dollars. That's nice but I only applied for 2500. So fine, she told me that she would just fax my info to my lender.

    Then she phones me back at 10 o'clock in the evening and puts me through to my supposed lender who tells me that I have been accepted for a 5000 dollar secured loan, that I had 3 choices: 1) that I could put my house or car up for collateral, that the car could be no more than 2 years old and paid off; 2) or I could pay 3 payments of $179 for 3 years at 15 % interest; and 3) an insurance policy of a one time fee of 600 dollars. So I said, "Can't you take the fee off the loan?" She said, "No, we need it in order to release the funds." Deja vu. I said, "So, how do I fill out the agreement?" She said that she would email it to me.

    Then she asked for my email address. Well, they should have known that already considering they already emailed me. Anyway, I asked her what she was doing working so late when the office shut at 7. She said, "My office is out of the Caribbean."oh yeah. Then I said to her, "You can't by law ask for money for a loan." She said, "It's not asking for money." I said, "Yes, it is," and I've been through it before.

    I have 2 small kids and I got burnt. This woman was all nice trying to reassure me when I know she really wanted to scam me. Her name is Cindy. She is supposed to send me the application. This is definitely a scam. This company is called Prime Loan.

    57 people found this review helpful
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    Fast Access Financial Company Information

    Company Name:
    Fast Access Financial