General Eligibility Requirements

To be eligible for a loan from AWL, you must meet these basic eligibility requirements:
  • 18 years old or older
  • Not an active duty U.S. military personnel or a dependent of active duty U.S. military personnel
  • No current loan with American Web Loan in repayment status
  • No prior loan from American Web Loan in default or charge off status
  • Customers must meet minimum income requirements, with income direct deposited into an active checking account in good standing with a verified bank
  • Not currently bankrupt, preparing for bankruptcy, or have filed for bankruptcy protection
  • Must reside in a state where American Web Loan extends credit
Applying is easy. Approvals are fast. Same business day funding may be available.1 Apply Now
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AWL has now made it easier than ever to manage your account! Download the AWL Mobile App to check your loan status, schedule additional payments and apply for a new loan once you're eligible.

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Note: Only current and returning customers will be able to log into the app. If you are a new customer, please apply for your loan directly on our website.

The Otoe-Missouria Consumer Finance Services Regulatory Commission is the regulatory agency solely responsible for regulation of American Web Loan. American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America. American Web Loan is licensed and regulated under the Otoe-Missouria Tribal Consumer Financial Services Ordinance.

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1Please visit our funding FAQ for specific information on application cut-off and processing times, our disbursement options, and when loan funds may become available for your use. Generally, business days means Monday through Friday, and we do not fund loans federal holidays or weekends. Same business-day funding may be available by wire transfer and direct deposit to select customers with valid accounts at qualifying banks. We do not charge a fee to disburse funds by wire and ACH, but your bank may assess a fee. Consult with your bank on their fee schedules and posting requirements.

Our loans are subject to terms and conditions. Not all applicants will qualify for a loan. Loans are not available in AR, CT, GA, NY, VT or WA. New customers must be able to satisfy general eligibility requirements for underwriting approval. Returning customers who have received a pre-approved offer or offer code must continue to be able to satisfy the preselection criteria as shown in their offer.

Applicants must authorize us to verify any information provided for identity and digital verification, underwriting, and credit reporting. Verification and reporting may be ongoing and may require us to obtain information about you from, and share your information with, consumer reporting agencies and other sources. For more information, including applying for a loan, you should read our Privacy Policy which governs our information sharing practices, our Terms of Use which governs your use of our website, and our Mobile Application License Agreement which governs your use of our mobile app.

Before you apply for a loan with us, you should first seek credit counseling or meet with a nonprofit financial counseling service in your community because short-term, small-dollar loans are expensive forms of credit that should be used for short-term financial needs only, and not as a long-term financial solution.

AWL, Inc. dba American Web Loan is an equal opportunity lender that is wholly-owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located in Oklahoma. AWL, Inc. is licensed and regulated under the Otoe-Missouria Tribal Consumer Financial Services Ordinance by the Otoe-Missouria Consumer Finance Services Regulatory Commission, which regulates all consumer financial services conducted from the Otoe-Missouria Tribe of Indians' reservation in Oklahoma.

© 2010- AMERICAN WEB LOAN • 3910 W. 6th Avenue, Box 277, Stillwater, OK 74074