Atlas Finance offers an online application process that is simple and straightforward. Its loan products are designed to help people in need.

The company checks your credit report to make sure you are not already in debt with other lenders. It also looks at your income to ensure that you can afford to make payments on a new loan.

Getting Started

Atlas Finance assesses loan applications based on a variety of criteria. For one, they want to ensure that the applicant is a citizen of South Africa, which is done by verifying a valid ID card or document. In addition, they want to make sure that the applicant is at least 18 years old, which is the legal age for entering into financial agreements. They also want to see that the applicant has a steady source of income, which is important because it will help them to pay back their loans.

If you meet the criteria, then you can start the application process. It only takes minutes to complete, and you will know almost immediately if you are approved or not. If you are approved, then you will receive the funds in your bank account within a day or two. The application is secure, and you can use it from any computer or mobile device.

The card has several benefits, including Cell Phone Protection, Extended Warranty Protection, Auto Rental Coverage, and Travel Assistance. It can also save you up to 10% at 50,000+ local and national places like Nike, DoorDash, Shake Shack, and Burger King. In addition, the card can help you build your credit score by reporting your payment history to the major credit bureaus. However, it is important to note that your credit score will only increase if you continue to make on-time payments and keep the balance low.

Getting Pre-Approved

Atlas offers fixed-rate personal loans up to $4,000* that are easy to apply for and have fast approval. The application takes just minutes to complete and you can find out if you are approved almost immediately. Once you accept your loan amount, funds can be transferred to your bank account within one business day*. You can manage your Atlas loans 24/7 through our easy online client portal.

If you are a graduate student enrolled in an advanced dental residency program, you may be eligible for a need-based Atlas One Lending student loan to help you bridge the gap in financing between your other financial aid and tuition costs. Only students graduating from a Commission on Dental Accreditation (“CODA”) accredited dental school are eligible for this loan program. Interest is deferred while in school and for one (1) year following graduation. However, the outstanding principal and fees must be paid upon loan maturity date.

There instant cash loans are some geographic restrictions, but if you qualify, you could get a credit card that has a lot of perks like cash back and built-in travel coverage. The card also has 4x higher approval rates than traditional credit cards and doesn’t require a credit score, so it’s a great option for those with no or poor credit. You can apply online or through the mobile app.

Getting Funded

Atlas reports your on-time payments to the credit bureaus and provides you with a free FICO score based on their calculations. The score is a key indicator of your financial health, and changes based on your behavior. Consistent use can help increase your credit history, maintain a good credit mix and keep utilization low.

Our card is a credit-building tool that works with your current bank account to determine your spending limit (rather than relying on a predetermined number like traditional cards). Your daily spending limits are based on the amount of money you deposit into your account through Plaid, and you can pay your balance off frequently to help maintain low utilization. We also report your payment activity to the credit bureaus on a monthly basis, so you can see your progress.

We offer a range of rewards and credit services on our rewards credit card. Earn cash back on every purchase you make, and save up to 10% automatically at 50,000+ local and national places you love like Nike, Starbucks, Shake Shack and DoorDash.

You can also use the Atlas to explore federal lending programs that support economic development in Native Country, as well as geographic comparisons across communities. This new tool joins a suite of data tools from CICD designed to support informed decision-making in Indian Country. All CICD data initiatives are guided by Principles for Research and Data Use intended to honor tribal data sovereignty and governance.

Making Payments

Atlas is one of the newest credit-building cards on the market, and its approval rates are surprisingly high. It doesn’t perform a hard pull on your credit, so you can get a decision in minutes and funding in as little as a day*. Plus, the card is available nationwide, which is a big plus when you’re trying to build credit.

The card comes with a few nice perks, including cash back in select spending categories and a bill-negotiation feature that saves you money on phone, insurance and subscriptions. There’s also a free mobile app that lets you track your score on auto-pilot and lock down shady transactions. Plus, you can use the Atlas Card anywhere Mastercard is accepted.

However, the Atlas Card isn’t a good fit for everyone. It’s only available to people who live in the states of Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Montana, North Carolina, Nebraska, New Hampshire, Oklahoma, Tennessee, Texas, Utah, Virginia and Wisconsin, as well as Washington D.C. It’s also subject to an annual membership fee and has a spending limit based on how much Atlas determines you can afford, rather than what you want to spend. This may make it harder to get a large balance or qualify for a larger line of credit in the future.