How it works
Complete the short and totally secure online application form. It only takes a few seconds to do and you won’t have to visit a store.
As soon as you have submitted your loan application form, we will try to match your details with a lender. When a match is found, your loan offer and loan documentation will be presented to you.
Get your Cash
If your application is approved, your lender could wire the funds to your bank account as soon as the next business day.
What is Bright Sky Lending?
We are loan matching service. Our goal is to match your details with a direct lender who may be able to provide you with the funds that will enable to you to deal with any type of cash emergency.
- Application completed in just a few minutes.
- Your personal data is protected with 256-bit encryption technology.
- You could be approved even if you have a poor credit history.
Why Apply for a Loan Online?
No one wants to have to wait in line at a store and then fill out pages and pages of documents. With Bright Sky Lending all you need to do is submit your online application form and your funds could be with you as soon as the next business day.
Brightskylending.com does not make loans and is not a lender. Instead, our company directs consumers to direct lenders only who may offer these loans. Bright Sky Lending is not in a position to able to provide details of the APR (Annual Percentage Rate) that you may be charged on a loan that you are approved for. APRs vary by lender and in accordance with the information that you provide. You will be advised of the APR, charges and fees, and the terms of your loan when you are redirected to the direct lender’s website as part of the application process.Implications of Non-Repayment of Loans and Other Loan Considerations
Brightskylending.com is not a lender and does not charge a fee for its service. All lenders in the Brightskylending.com provide consumers with full details of the terms and conditions of a loan before the consumer accepts it. We strongly recommend that you read the terms and conditions of a loan that is presented to you very carefully.Implications of Non-Repayment, Late Repayment, or Partial Repayment
When you indicate your acceptance of the terms and conditions of a loan agreement, you are also agreeing that will repay the loan, plus all the finance charges and interest, within in the time period specified in the loan documentation that will have been provided by your lender. If you are unable to repay your loan in full and on time, additional charges may apply. Brightskylending.com is unable to predict how much those charges and fees in respect of non-repayment, late repayment, or partial repayment will be. Brightskylending.com does not have any knowledge of the details of the loan agreement made between you and your lender. Please refer to the documents provided by your lender for the details their policies with regards to late repayment, partial repayment, and non-repayment of loans.
If you are approved for a loan, your direct lender only will provide you with the precise details of the interest and fees applicable to your loan before you accept the agreement. Brightskylending is not a lender and, therefore, cannot predict what the interest rate and the fees will be for any loan that may be presented to you. There is no obligation on your part to accept the terms of any loan that may be offered to you.
Brightskylending does not make any credit decisions and we do not make any credit searches on consumers. Some of the lenders in the Brightskylending network may carry out a credit check, but they do not usually use the traditional credit bureaus to do this, so your credit rating may not be affected by the checks that a lender makes. If you fail to repay your loan on the date specified in the loan agreement, your lender may report your failure to pay to the major credit bureaus, which may have an adverse effect on your credit rating. If you do experience credit problems, we recommend that you contact a credit counselling company as soon as the problem arises.
The policies with regards to loan renewals are, to a large extent, governed by state legislation. The lender will present you with the loan renewal options prior to you accepting the loan. Please do make sure that you read the terms of renewals before you agree to the loan. Personal loans of this nature are intended for short term use. Brightskylending recommends that all consumers repay their loans in full and on time so that they do not incur additional fees. If you think that you may not be able to repay a payday loan, we recommend that you look at other alternatives before you apply.
Brightskylending is not a lender and Brightskylending does not become involved in debt collection. The debt collection policies of your lender will be disclosed by the lender in your loan documents. If you are not clear about the collection policies of any lender, we recommend that you contact the lender directly to discuss this with them. Brightskylending endeavour to work with reputable lenders who pursue overdue accounts in a fair and reasonable manner.