Get immediate financial relief - even if you have limited credit history - to help you face life’s unforeseen events.

Why apply for a SPRING Loan from NAAC?

Credit Score Building

Credit Score Building

Start building your credit score with a SPRING Loan and get access to more financial services in the future.

Fast Loan Approvals

Have your loan application reviewed and approved within two business days.

Free Expert Credit Counseling

Certified credit counselors will help get your personal finances back on track.

Financial Literacy Training

Be equipped with the knowledge, skills, and tools you need to make sound financial decisions.
Not yet ready to apply?
Complete FDIC’s ‘How Money Smart Are You?’ financial education program for faster loan approval.
Get started

3.2 million reached, inspired, and empowered

We help our clients grow and protect their credit score, which is a crucial component in getting access to financial assistance.

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Get access to cash when you need it

Get access to cash when you need it

Our SPRING Loan can help tide you over when unexpected expenses come up. Apply for one and have it approved within two business days. Get funded within two weeks.

Simple and fast application process!

Apply for affordable loans from $1,000 to $2,500. Take the first step to improving your credit score.
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Frequently Asked Questions

What are the requirements to qualify for the SPRING Loan?
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Proof of income, California or Nevada state-approved government ID, certificate of completion of our financial literacy program, a bank account*, and a credit score of 580 and above.

*A bank account is not required to start the loan application but is required for approval of the loan. If you do not have a bank account, our loan specialists will be happy to assist you in opening one in order to proceed with the application.

How long is the loan review?
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The loan review will take 1-2 business days if all requirements are met. Sometimes a loan may take longer to review based on the loan applicant’s identity, credit, and quality of submitted documents.

What if I have a bad credit score, can I still qualify?
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As long as you have a source of income and do not have any active bankruptcies or liens, you may still qualify to be approved for a loan. You can also access our free financial literacy course for faster loan approval. Get started here.

What are the documents needed to apply?
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You will need to present a proof of income via paystub or government award, a valid California or Nevada driver’s license or identification card, and your social security number (SSN).

What is the biggest amount I can borrow?
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You can borrow up to $2,500, payable in 12 months at 20% interest.

I don’t have a bank account, can I still apply for a loan?
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We require all loan applicants to have a bank account--our loan specialists can help you open one.

Why should I choose SPRING Loan over similar products out there?
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We go beyond providing low-interest loans. We’ll help you make smarter financial decisions through financial literacy training and improve your credit score.

How does applying for a SPRING Loan help improve my credit score?
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Going through the loan application process is an exercise in becoming a more responsible borrower. Paying your loan on time and in full opens more credit opportunities not only from NAAC but from other financial agencies.

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Call us at +1 (888) 567 3858
Get started on your application

Get started on your application

Identify the assistance you need
Find out if you qualify
Work with our counselors
Get Early Access