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Frequently Asked Questions (FAQ)

To whom do I address questions about my existing loan?
Brightskylending is not a bank or a financial institution and we are not a lender. Brightskylending does not make credit decisions nor do they have any influence over credit decisions. The operator of this website is not an agent, representative or broker for any lenders. Brightskylending simply provides the connection between consumers and lenders of short term loans. If you need to ask questions about your loan or you require further details, you will need to contact your lender. It is the lender that will be able to help you. The details of your lender will have been included with your approval email. Alternatively, you will be able to find the details of your lender by contacting your bank or credit union or by looking at your bank statement.

Will I qualify for a short term loan?
Meeting the qualification requirements for a short term loan is not difficult and many direct lenders of this type will provide short term loans even if you have a poor credit rating. The basic requirements of most lenders are that you are 18 years old or over, you have a regular monthly income of at least $800, and you are a US resident. Some lenders may have slightly different requirements than these. You may still apply for a loan if you have bounced checks or you have filed for bankruptcy.

What can I use a personal loan for?
There are no restrictions on what you use the cash from a personal loan for. You could use it to make urgent repairs to your home, to fix your car, or pay for any other type of emergency expenditure. Short term loans are an easy way to get emergency cash when you need it. If you are approved, you could have that cash you need the very next business day.

How quick can I get the money?
The approval of a short term loan can be extremely fast and it should only take a few minutes, but it is unlikely that you will receive your cash that same day. However, if you are approved for a personal loan, you could have your money in your bank account by the end of the next business day.

Is my privacy protected?
When we transmit your data to the lenders in our network, it will be protected by SSL encryption. All your information is scrambled so that no one can intercept and read it. We take all the steps necessary to ensure the safety of your private information.

Do I have to go into a store?
You will never have to enter a store or wait in line when you apply for loan via The application through to the approval of your loan is all done online in the privacy of your home.

Will there be any fees?
You will not be charged any fees by Brightskylending for using this service. Should you be approved for a loan, the lender will make clear to you what their fees, interest rate and charges will be before you agree to the loan. Brightskylending is not a lender, so we cannot tell you in advance what the lender’s fees and charges will be. You are not obliged to accept the terms that are offered to you by any lender.

Can I apply by telephone?

If you would prefer to use the telephone to apply for loan via Brightskylending, please call us at (855) 401-7255

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