Echo Credit Personal Loans

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Echo Credit provides $500 – $2600 amounts of Line of Credit at a fixed APR that ranges from 200% to 349%. There is no origination fee, no cash advance fee, no late payment fee. Echo Credit will approve you for the funds in less than an hour and deposit the money within 10 business days.

Loan Information

Cash whenever you need it A line of credit from Echo Credit is the new, more flexible way to borrow cash for life’s unexpected expenses. Learn more about how it works Apply once. Get repeated access to cash Because your account with Echo Credit is a line of credit, you only have to apply once and you can come back for cash whenever you need it. Learn more about what it costs. Zero Hidden Fees With Echo Credit there is no application fee, no cash advance fee, no prepayment fee, no late fee and no annual fee, ever. Get started with Echo Credit today

Loan Requirements

You must be at least 18 years old (19 if residing in AL) and: Reside in a state in which Echo Credit does business Have a proven source of income Have a valid email address Have an acceptable checking account All submitted applications are subject to verification of application information and acceptable prior credit or loan history. Your online application will be either approved or declined based on our evaluation of your information. In some cases, we will ask for additional bank account eligibility information.

Loan Contact

Call the Customer Support: 1-877-606-1340 Hours of Operation: 7 a.m. – 9 p.m. CST, Monday – Friday 8 a.m. – 4 p.m. CST Saturday Customer Support Fax: 1-888-207-3211 Or e-mail the company at PO Box 42994, Philadelphia, PA 19101


Minimum Cash Advance is $100. Electronic Cash Advance requests made prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) will be funded that same day. Credit Limits range from $500 to $3,000 depending on eligibility. Echo Credit is not available in all states. This is an expensive form of credit. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the Finance Charges disclosed to you in your Agreement. Customers with continued credit difficulties should seek credit counseling. Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan or Line of Credit may negatively impact your credit rating. If you fail to repay your Account in accordance with the terms of your Agreement, we may place your Account with or sell your Account to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

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