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Loans

Combatting predatory lending is our primary focus. We have created a product called the Helping Hand Loan™, an installment loan that helps consumers break the payday loan cycle. We attempt to ensure that the monthly payment is no more than 5% of the borrower’s monthly gross income. The interest rate is capped at 36% APR.* This combination of a lower rate, longer term (average 6 months, maximum 1 year) and smaller payment eliminates the need for countless rollovers, which is the primary reason why payday loans have become so predatory in nature.

*APR = Annual Percentage Rate

Lean on us.

We know that life happens. So when you need cash in a pinch, you can count on us to help get you back on track.

Helping HandTM Installment Loan

  • • Borrow up to $1,000
    • Friendly repayment terms based on the amount borrowed
    • Low cost: 36% APR*
    • No prepayment penalties or hidden fees

*Annual Percentage Rate. Loan funding requires verification of application information. All loans subject to approval pursuant to standard underwriting criteria. Payment example: A $500 loan at 36% APR for 6 months would be $92.30 per month.

Note: Our service area is defined as St. Louis City and St. Louis County. In order to be considered for a RedDough loan, you must meet at least two of the following three criteria: 1) Live 2) Work 3) Bank in St. Louis City or St. Louis County.