What Is Coffee Break Loans And How Does It works?

Coffee Break Loans is a loan-finding service that aims to quickly connect borrowers with lenders that provide funding from $500 to $5,000. This introductory section overviews how Coffee Break Loans functions and its key characteristics.

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Coffee Break Loans works by collecting necessary data from borrowers and sharing it across its network of direct lenders. By streamlining this process, it enables borrowers to avoid having to research and apply to lenders individually.

Once a borrower’s information is submitted, one or more lenders in the network may respond very quickly with loan offers or requests for more details. This allows funding to be secured as soon as the next business day in many cases.

While Coffee Break Loans facilitates this connection, it does not actually make credit decisions, set rates, or handle applications or funding. It simply matches borrowers to potential lenders.

Key Details

  • Loan amounts: From $500 to $5,000
  • Maximum APR: 35.99%
  • Loan term: Varies by lender, minimum 91 days
  • Services: Personal loans, credit cards, business loans, car insurance

Eligibility Requirements

Coffee Break Loans has straightforward eligibility standards similar to other personal loan providers:

  • Minimum age of 18 years old
  • Valid photo ID
  • Regular income of at least $1,000 per month after deductions
  • Active checking account
  • Working phone number and email address

These baseline requirements may vary a little across the lenders in the Loans network when they evaluate borrowers.

Approval Timeframe

One of the main advantages of Coffee Break is the speed at which borrowers can get approved and receive funding.

The table below summarizes typical timeframes:

Initial application5-10 minutes
Lender review and approval decisionWithin minutes to hours
Fund disbursementAs soon as next business day

Once a completed application is submitted with necessary details and documentation, lenders can usually decide very rapidly. If approved, money can be deposited into the borrower’s bank account within just 1 business day in most situations.

Interest Rates

Interest rates on loans arranged through Coffee Break fall within a range of 5.99% to 35.99% APR.

The specifics depend on aspects such as:

  • The borrower’s credit score and financial profile
  • The loan amount and repayment term
  • The lending standards and pricing of the particular lender

As a loan-finding platform, Coffee Break Loans does not control interest rates – it connects borrowers with direct lenders who provide the actual loan terms. It’s important for borrowers to closely review rates and fees before accepting any loan offer.


In summary, Coffee Break Loans leverages an extensive lender network to rapidly match borrowers seeking $500 to $5,000 loans with potential providers. It streamlines the application process through data sharing, allowing funding in as little as one business day. While it facilitates connections, the direct lenders in the network make actual approval decisions and set loan terms. For borrowers needing fast access to a small personal loan, Coffee Break can provide a convenient application solution.

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