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What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
4.95% p.a.
Comparison rate from³
5.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the home loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Home Loans — Finance Your Dream Home with Confidence
Affordable Loan USA helps you finance your home with flexible loan options, transparent terms, and personal support — every step of the way.
Buying a home is one of life’s biggest milestones — and finding the right financing shouldn’t be complicated.
At Affordable Loan USA, we provide direct home loans with clear terms and competitive rates, helping you purchase, build, or refinance your property with confidence.
Whether you’re a first-time buyer or looking to upgrade, we make the process simple, transparent, and stress-free — so you can focus on your new home, not the paperwork.
Why Choose US
- Direct Lending — No Middleman
We offer loans directly to our clients, ensuring faster decisions and personalized service. - Flexible Loan Amounts
Borrow between $10,000 and $1,000,000, tailored to your financial profile and property value. - Clear, Competitive Rates
We believe in transparency — no hidden fees, no unexpected costs. - Expert Guidance
Our loan specialists help you understand every detail, from application to closing. - Fast, Secure Process
Complete your loan application online with quick document verification and digital approval.
Types of Home Loans We Help With
First Home Buyer Loans
Buying your first home? Get guidance and access to lenders who offer low deposit or government-backed schemes to make ownership easier.
Home Loan Refinance
Want to lower your repayments or unlock equity? Refinancing can help you reduce monthly costs, consolidate debts, or access extra funds for renovations.
Bad Credit Home Loans
If traditional banks have declined your application, we can connect you with lenders who specialise in helping borrowers with bad credit — including past defaults, judgments, or self-employment..
How It Works
- Apply Online: Complete our quick, secure form.
- Compare Options: Review interest rates, deposits, and repayment terms.
- Get Approved: Once approved, you’ll receive your loan offer and can move forward confidently.
Who Can Apply
You may be eligible if you:
- Are 18 years or older
- Have a valid U.S. address and bank account
- Have a regular income or business income
- Have a valid ID and bank account
Loan Features
Loan amounts: $10,000 – $1,000,000
Flexible repayment options
Fixed or adjustable-rate structures (depending on eligibility)
No early repayment penalties
Transparent fee structure
Responsible Lending
At Affordable Loan USA, we’re committed to responsible and ethical lending.
We assess every application carefully to ensure borrowers can manage their repayments comfortably. Our goal is to help you achieve home ownership with confidence, not financial stress.
Ready to Get Started?
Turn your home ownership dream into reality — faster.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
How much can I borrow for a home loan?
We offer home loans ranging from $10,000 to $1,000,000, depending on your income, credit profile, and property value.
Do I need a perfect credit score?
We evaluate each application individually. A good credit history helps, but we also consider your overall financial situation.
How long does approval take?
Once you submit your documents, most loan approvals are completed within 2–5 business days.
Can I repay my loan early?
Yes, you can repay your loan early without any prepayment penalties.
Are there hidden fees?
No. All applicable charges will be clearly mentioned in your loan agreement before you sign.