When you need a loan,
we make sure to get you
the smartest loan.

Fast, Easy, Safe & Reliable

  • Get Instantly Matched with Your Ideal Loan Options
  • Provide Basic Information
  • Smart Options Identified
  • Get Approval Fast

Loans from $500 - $60,000

Why Choose Granite Bay Acceptance?

Flexible

Our goal is to produce the best loan options for your financial needs and your budget. Our lender network is built to ensure we provide only the best options,

Personalized

At GBA we use advanced credit data and millions of options to help find the best loan, rate and payment for your personal situation.

Fast

See if you qualify in minutes, and money as fast as one business day. Whether you need to borrow $500.00 or $60,000.00 GBA can fund your loan faster.

Why would I want a personal loan?

You can use a personal loan for just about anything. The two most common uses are refinancing existing debt at a lower rate and making a purchase when you don’t have the cash currently available.

A personal loan provides the freedom to use the funds as needed.

Getting your personal loan
options is easy. Really easy.

We'll ask you some basic questions that you probably know off the top
of your head: Your full name, income and employment status, phone
number, email, SSN, where you live, and your date of birth. That's it!

1
Explore Your Options

This is where you take the control. We'll show you the loan options you qualify for, and you'll be able to choose the amount, term, and rate that best fit your needs.

2
We'll review your information

This is where you'll complete your application by providing some additional information, including your bank account information, and allow us to securely validate all of the information provided.

3
Receive your money

Once you agree to the final terms, we'll start the process to approve and fund your loan. In some cases, we can transfer your funds on the same business or within just a couple of business days.

Debt Consolidation

A debt consolidation loan is used to combine multiple debts into a single, larger debt. It could have more favorable terms, and instead of having numerous payments, you would have just one recurring monthly payment. Debt consolidation can simplify your finances and improve your credit.

Get a fixed rate

With an affordable fixed rate, your
monthly payment never increases.

Know when you'll be debt free.

With the term you select, you're on
a clear path to becoming debt free.

Immediately pay off your credit cards

Swap out your high-interest credit card
debt for a fixed-rate loan.

Home Improvements

Taking advantage of a home improvement loan can add joy to owning a home and increase your property value. Using personal loans for home repairs can be done without depleting your home equity.

Whether you are building an addition, making repairs or updating a bathroom, a personal loan can be the smart way to finance these home improvements. Once approved, your loan is funded and you can use the money however you want.

Major Personal Expenses

You can use your low interest fixed rate loan for personal expenses that are much more affordable with a low monthly payment over time.

Life events such as engagements, weddings and funerals can be a financial stress, we minimize that stress by providing you the best personal loan options available.

Unexpected Expenses

Life can throw unplanned expenses our way and the speed and low rates of a personal loan can help you manage your debt, stay on financial track and cover the expenses when they happen.

Personal Loan Versus Credit Card

Personal loans may be secured or unsecured. They often have lower interest rates than credit cards, especially if you have good credit. Unlike credit cards, a personal loan is “installment” debt — you get money in a lump sum and make equal payments over a specified period — usually two to five years. Your loan payments will include principal and interest.

Personal loans are amortized loans, and the monthly payment includes the monthly interest expense, as well as a principal repayment, which, combined, will have the loan paid off at the end of the loan’s term.