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Citrus Loans

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Intro: Who Is Loans?

Citrus Loans is a emergency cash advance loan aggregator that allows you to apply to multiple lenders at once with just one application. Getting a short term loan from Citrus is much easier because you only need to fill in one online application foam and you let lenders compete for your business.

Citrus Loans is also part of OLA (Online Lenders Alliance). They represent a network of online loan lenders. OLA members have a list of best practices and Code of Conduct which they have to abide by to ensure customers treated fairly, fully informed and are transparent.

Typical Loan that Citrus Loans Offers

Manor Park Funding has a network of lenders that will offer you loans that range from $100 to $2,500 with maturities ranging from 14 days to 24 months.

Requirements and Qualifications

To get approved for loan from lenders, you will need to at least meet the following requirements:
  • Have a Job or Regular Income - There is no way around this. You will need job and/or regular income. Some lenders might you for proof of employment for the last 4 weeks. If you have no job, you will need to show proof of income from social security, pension etc for at least $1,000 a month.

  • Bank Account - Once you sign up with a lender that is willing to lend you and you agree to their terms, they will transfer the money into your checking or savings account. That is why you need to have a bank account to take advantage of Citrus.

  • Be a U.S. Citizen and a valid social security number

  • Valid Drivers License or State ID - You will need either of these will be needed to verify your ID.

  • Metabank Customer Are NOT Eligible - One important thing to take note of is that if you are a customer of Metabank (ie you use their products like credit cards), you are not eligible to apply through the Citrus Loan Network.

How Does the Loan Process Work?

The loan process is really easy. All you have to do is to fill out a secure online loan request form (make sure the information is correct). This form will be sent to Citrus Loans network of lenders.

Citrus Loan network of lenders will evaluate your information and may perform due diligence like pulling your credit reports etc. If you have a few lenders that approve you and want to give you a loan, you will be sent an offer and loan details. You should read through the details thoroughly and if you are happy with anyone of them, you will then have to e-sign the documents.

Once you have e-signed a document with a lender, you should expect to receive your funds in your bank account the next business day.

Pros and Cons


  • Available to residents of every state - Some loan aggregator sites prohibit individuals from certain states to apply. Citrus Loans allows everyone from all 50 states to apply.

  • Accepts all credit - Citrus network of lenders include those who lend to folks with bad credit. So those of you who do not have the best scores can apply for a loan through Citrus.

  • Process is Fast - The application process is fast, easy and relatively painless.


  • Credit Limit of up to $2,500 - The lenders in Citrus will only lend you up to $2,500. For those of you looking for larger loan amounts, you should use other loan aggregators.

  • Metabank customers cannot apply - Customers of Metabank (for example if you have a metabank credit card) cannot apply for a loan through Citrus. If you find yourself in this situation, then you have to apply through a network without these restrictions.

Our Take

If you need to get a loan fast, applying through a loan aggregator will save you time and what ends up happening is that you get to apply to more lenders. In contrast, if you shop around with a few lenders, you need to fill in multiple forms and it is really tedious. Citrus Loan is one such aggregator which makes applying for a loan much easier.

There are a few things you have to be aware of. Firstly, you can only borrow up to $2,500. If you need to borrow a larger amount, you need to look elsewhere. Secondly, if you are a metabank customer, you cannot use Citrus Loans and have to look elsewhere.

Other than that, Citrus Loan is an aggregator that you should consider if you need to get the best deal for a loan. They accept all credit types so most of you should be able to get a loan deal that suits you.

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