Everything you need to know about the lender before you apply — answered clearly and honestly.
About Eagle Loan
How to use this FAQ: These 20 questions cover the most common topics borrowers research before applying — from basic eligibility to what happens after funding. If your question isn't here, use our contact form or call 1-800-900-2130 to speak with a branch directly.
Below you'll find answers grouped by topic: general information, loan terms, qualification requirements, the application and funding process, payments, and locations. All answers are based on publicly available information from the lender's official website and state regulatory filings.
the lender is an independently-owned consumer finance company founded in 1994. They operate physical branch locations in Indiana, Kentucky, and Ohio, offering secured personal loans from $1,000 to $10,000 with monthly repayment terms of 8–24 months.
No. The lender uses installment structure, not a payday lender. Unlike payday loans that require full repayment in 2 weeks, the lender spreads payments over 8–24 months in manageable monthly installments. This makes it significantly safer and more affordable than payday alternatives.
No. EagleLoansApp.com is an independent lender information site. The official the lender website is eagle.com. We are not affiliated with, endorsed by, or sponsored by the lender or Eagle Financial Services Inc.
The company has been in business since 1994 — over 30 years. Their average branch manager has more than 20 years of lending experience.
Eagle Loan Amounts & Terms
Personal loans range from $1,000 to $10,000. The exact amount you qualify for depends on your credit profile, income, and the collateral you offer.
Repayment terms run between 8 and 24 months. Smaller loan amounts typically come with shorter terms, while larger amounts may qualify for the full 24 months. All payments are monthly.
The lender does not publicly disclose its APR range on its website. Your rate will depend on your credit history, income, loan amount, and collateral. You must apply (triggering a hard credit inquiry) to receive a specific rate offer. Their rates are positioned as better than payday/title loan alternatives but may be higher than bank loans.
No. There is no prepayment penalty, meaning you can pay off your loan early without any additional fees. This is a significant advantage over some other lenders.
Eagle Loan Qualification Requirements
Yes, Your credit history is reviewed. However, they work with borrowers who have poor or damaged credit histories, including those who have filed for bankruptcy. A credit check will result in a hard inquiry on your credit report.
Yes. The lender is known for working with borrowers who have had bankruptcies. Multiple customer ratings confirm receiving loans shortly after a bankruptcy discharge. Collateral and proof of current income are key to approval.
Yes. All the lender personal loans are secured, meaning collateral is required. Common collateral includes a vehicle title, savings account, or certificate of deposit. If you default on your loan, the lender may claim the collateral.
Yes. Co-applicants are accepted. Adding a co-applicant with stronger credit can improve your approval odds and potentially get you better terms.
Eagle Loan Application & Funding
Apply online, by calling 1-800-900-2130, or by visiting a local branch. However, loan closing — signing documents and receiving funds — must happen at a physical branch location.
In many cases Funding can happen the same day you close at a branch. They can deposit funds directly to your bank account or issue a check at closing.
Typical documents include: (1) recent pay stub, (2) proof of address such as a utility bill, (3) valid driver's license or state ID, (4) checking account statement and debit card, and (5) vehicle title if using a car as collateral.
Eagle Loan Payments & Branch Locations
For a full breakdown of all payment methods, early payoff, and what to do if you're struggling, see our Eagle Loan Payment Details →
You can make payments via automatic bank withdrawal (recommended), by calling your local branch, or by visiting the branch in person. Setting up automatic payments eliminates the risk of missed payments.
Borrowers are encouraged to contact their local branch as soon as they anticipate difficulty making a payment. They emphasize a community-oriented approach and may be able to work out a solution. Contact them proactively — the sooner the better.
Payments may be reported to credit bureaus. On-time payments can help build or rebuild your credit score over time. Confirm the current reporting practices with your branch directly.
Branch locations operate in Indiana, Kentucky, and Ohio only. If you live outside these three states, you cannot get an the lender — see our personal loans overview for alternatives.
Visit eagle.com/locations/ and enter your ZIP code. You can also call 1-800-900-2130 to be connected to your nearest branch.
Still have Eagle Loan questions?
Check our lender research or contact this lender directly.
