The application is 100% online, takes about 5 minutes, and delivers an instant decision. Funds deposited as soon as the same business day.
Plain Green Loans has minimal eligibility requirements — designed to serve borrowers traditional banks often turn away.
Use the apply button on this page or on our homepage to begin your application through our secure form.
Provide your name, email, SSN, address, income, and bank account information. The form is encrypted and secure.
If approved, you'll see the full loan offer including APR, monthly payment, and total repayment. Read everything carefully.
Accept the offer and funds will be deposited into your checking account — same day or next business day.
The application takes about 5 minutes if you have your information ready. Here's what to gather before you start.
Complete the application form with your personal and financial information. All data is transmitted via encrypted HTTPS. You'll be asked to verify your identity via bank connection or manual entry of routing/account numbers.
Plain Green's underwriting system runs an automated review of your application. Most decisions come back within seconds. You'll either see a preliminary approval, a request for additional documentation, or a decline with an explanation.
If preliminarily approved, you'll see the terms of your loan offer: loan amount, APR, monthly payment, total repayment, and term length. Read this carefully. If the APR is higher than you're comfortable with, you can decline without penalty and explore other options.
If you accept the offer, you'll electronically sign the loan agreement (which includes required TILA disclosures, ACH authorization, and arbitration clauses). Review these documents carefully. This is the final step before funding.
Approved applications signed before 11:30 AM Eastern Time on a business day are typically funded to your bank account by end of business the same day. Applications signed later, on weekends, or on federal holidays are funded the next business day.
Payments are automatically withdrawn from your bank account on the schedule specified in your loan agreement (typically aligned with your payday). You can prepay at any time with no penalty — and doing so can save you significant interest over the life of the loan.
Plain Green declines a significant percentage of applications. Understanding common reasons helps you either fix the issue or find the right alternative.
What to do: Check our states page to see if you're in a restricted state. If so, look at state-licensed lenders or credit union PALs instead.
What to do: Plain Green typically requires ~$800/month verifiable income. If you're below this or your income is cash-based without deposits, consider applying with proof of alternative income (Social Security, disability, unemployment) or wait until you have documented income history.
What to do: Plain Green won't fund to Chime, MetaBank, or brand-new accounts (under 30 days). Ensure your primary bank account has direct deposit history and isn't with a restricted provider before applying.
What to do: If you have an outstanding loan with Plain Green or another tribal lender, or defaulted on one in the last 12 months, you'll likely be declined. Pay off existing loans first before applying for new credit.
What to do: Plain Green typically declines applicants with active bankruptcies or recent discharges. Wait until at least 12–24 months after discharge before applying, and consider rebuilding credit with a secured card first.
Free to apply, takes about 5 minutes, no obligation to accept any offer. Instant preliminary decision.
Editorial note: This form is provided by APIdiamond, our lending partner. We receive a referral fee if you accept a loan offer, but this never affects our editorial reviews or ratings. See our Editorial Standards.