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Apply for a Giggle Finance's loan


How to apply

After you have created an account and Giggle Finance has validated your information, you can apply for a loan at any time.

Steps to apply

Step 1: How much cash does your business need?

Click on the amount you want to borrow in this step. Remember that this is an amount you should be able to repay because Giggle Finance will check your bank statements to see if you can afford the payments. There are four options available to you:

  • $500 to $1,000

  • $1,000 to $2,000,

  • $2,000 to $5,000,

  • more than $5,000.

Step 2: What type of business do you operate?

Write the type of business you own or the category of 1099 employees you are in and click Confirm. You can also choose from the list of popular gig economy employers provided, such as Uber, Upwork, Fiverr, Lyft, and Shopify.

Step 3: When did you start your business, become a freelancer, or become self-employed?

Next, enter the month, and year you established your business, started working as a freelancer, or became self-employed, which should be more than three months. This allows Giggle Finance to easily check your bank statements and determine whether you were operational, earning, or making sales of more than $3,000 during those three months.

Step 4: Link your bank account

In order to link your bank account, you will first have to meet these three requirements if you are a business:

  • Your bank account must have been open for at least three months.

  • It must be your principal bank account.

  • You must demonstrate that you earn at least $3,000 each month.

After the lender confirms that they meet these three requirements, they will connect you to Plaid’s secure platform. Plaid allows you to securely connect your bank with Giggle Finance.

Step 5: Wait for approval.

Giggle Finance will have the information they need to analyze your income and expenses once you link your bank account via Plaid. Approval is instantaneous if you meet all requirements. Giggle will send you a text message indicating whether you are eligible for your requested amount.

Step 6: Receive your Giggle loan.

Finally, Giggle Finance will deposit the funds into your account immediately.


To get financing from Giggle, you must meet the following requirements:

  • You must own a business, be self-employed, or work as an app-based freelancer.

  • Your company must have been in operation for at least three months for business owners. It allows Giggle Finance to examine your operations and determine whether you can repay the amount requested.

  • Your account must be at least three months old. When the lender checks your bank account, they want to see your earnings and expenses. It enables them to determine whether or not you can afford to repay the principal plus interest every month based on your spending.

  • You should only link a primary bank account where you deposit your income. This allows Giggle Finance to compare your income and spending. Although the lender examines your bank statements to determine how much you can afford to repay, this does not affect your credit score.

  • You must provide proof that you make more than $3,000 per month.

Application details

When applying for a loan with Giggle Finance, several factors can cause your loan to be rejected or approved. First, you must be a small business owner or a 1099 worker, such as a freelancer or independent contractor working for more than three months. You must also include a bank statement detailing your earnings over the last three months. Furthermore, you must have earned, or your business must have made more than $3,000 in monthly sales.

On the other hand, some things that will get your loan rejected include providing conflicting information. Inconsistent information includes providing your personal bank account instead of your small business when applying for a loan. Giggle may also deny your loan application if you earn less than $3,000 per month or if your expenses exceed your income. Additionally, if you provide information that does not match, like your name or your business does not match the bank accounts provided, this will lead to the lender asking you to provide information that matches the respective documents, or your loan might get rejected.


How long are applications considered?

When you apply for a loan with Giggle Finance and meet all the requirements, they check your application immediately. You will receive a message on your phone if you qualify for the required amount.

How trustworthy is Giggle Finance?

Giggle Finance is a trustworthy lender. It is a registered company with an A+ rating from the Better Business Bureau. 

Does Giggle Finance verify income?

Yes. Giggle Finance examines your or your business’ current bank statements over three months to verify that you earn or make sales of more than $3,000 per month.

Does Giggle Finance loan hurt your credit score?

No. Giggle has no credit requirements when you are applying for a loan. Instead, Giggle Finance analyzes your bank statements to determine what you or your business can afford. This does not have any effect on your credit score.

What to focus on before applying for a loan with Giggle Finance

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Giggle Finance and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Giggle Finance’s reviews by October 2022
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