Military Loans — MLA-Protected, All Pay Types Accepted
PrimeLendings exclusively connects active duty servicemembers and veterans with MLA-compliant lenders. Base pay, BAH, BAS, and VA disability income all count. Military borrowers are protected by a 36% MAPR cap under the Military Lending Act.
Military loans for active duty servicemembers are governed by the Military Lending Act (MLA), which caps the Military Annual Percentage Rate (MAPR) at 36% for covered borrowers. PrimeLendings connects military personnel with MLA-compliant lenders. All military income types are accepted: base pay, BAH (Basic Allowance for Housing), BAS (Basic Allowance for Subsistence), and VA disability compensation. The application takes 5 minutes and uses a soft credit inquiry.
Check Your Options
5 minutes · No commitment
Loan Amount
Full Name
ZIP Code
Monthly Income ($)
Indicate Military Status on Application
Instant MLA-Compliant Match
Review Your Offer with MLA Protections
E-Sign Your Agreement
Same-Day Deposit
Built differently
for Military Loans
One application. Licensed lenders across all 50 states. Faster, safer, and more transparent than shopping lender-by-lender.
Military Lending Act Protections
All PrimeLendings lenders must comply with the MLA — which caps MAPR at 36% for active duty servicemembers, their spouses, and dependents. No exceptions, no workarounds.
All Military Pay Types Accepted
Base pay, BAH, BAS, special pay, VA disability compensation, and National Guard/Reserve drill pay all count as qualifying income.
No Allotment Required
Legitimate MLA-compliant lenders cannot require a payroll allotment as a condition of a loan. PrimeLendings only works with compliant lenders.
Same-Day Funding on Any Base
ACH deposits work regardless of your duty station. Apply from any device — overseas, on base, or at home. Same-day deposit to any US checking account.
Soft Pull Only
Checking loan options will not lower your credit score. Important for military personnel monitoring credit for security clearance reasons.
Veterans Fully Eligible
Separated veterans with VA disability, pension, or civilian income after service are eligible. MLA protections apply during active duty only, but veterans are welcomed as borrowers.
Military Lending Act (MLA) — Your Key Protections
✓ 36% MAPR Cap
The Military Annual Percentage Rate (MAPR) — which includes all fees, add-ons, and credit insurance — cannot exceed 36% for covered borrowers.
✓ No Mandatory Arbitration
MLA lenders cannot require you to waive your right to sue in court. All arbitration clauses are prohibited for covered military loans.
✓ No Prepayment Penalty
You can pay off your military loan early at any time with no penalty — reducing total interest cost.
✓ No Required Allotment
Lenders cannot require a payroll allotment (directing your military pay directly to the lender) as a condition of getting the loan.
✓ Required Disclosures
Lenders must provide a written and oral summary of all MAPR-related costs and your MLA rights before you sign.
✓ Covers Spouse & Dependents
MLA protections extend to the servicemember's spouse and dependents — not just the servicemember themselves.
Military Income Types Accepted
PrimeLendings vs. Your Options
On the factors that matter most to borrowers.
| Feature | PrimeLendings | Banks |
|---|---|---|
| Application | 5 Min Online | Days / Weeks |
| Credit Required | All Profiles Considered | Good – Excellent |
| Availability | 24/7 Online | Business Hours |
| Funding Speed | Next Business Day* | 3–10 Business Days |
| Pre-Qual Inquiry | Soft Only | Always Hard Pull |
| Prepayment Penalty | None | Sometimes |
| All 50 States | Yes — licensed lenders | Varies by bank |
*Next-business-day funding typical; not guaranteed. Timing depends on lender and bank ACH schedule.
Why borrowers trust PrimeLendings
Licensed Network
State-licensed & TILA-compliant lenders only.
Full Transparency
APR, fees, and schedule disclosed before signing.
Soft Pull Only
FICO score unaffected at matching stage.
Zero Obligation
Review offers — accept only what fits you.
Frequently Asked Questions
Answered by licensed financial experts.
Ready to get matched with a Military Loans lender?
One 5-minute form. Soft pre-qualification. Licensed lenders in all 50 states. No commitment until you sign.
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Marketplace Disclosure: PrimeLendings is a 100% online loan marketplace, not a direct lender. We do not originate, fund, or service loans. We instantly match borrowers with licensed lenders across the US who make all independent credit and funding decisions. Loan approval, rates (5.99%–35.99% APR for personal loans), and terms are determined solely by the matched lender. Submitting a request does not guarantee loan approval. Short-term representative example: $500 borrowed for 14 days at $15/$100 = $575 total (391% APR). Short-term products are high-cost — use for genuine emergencies only. Loan terms, APR, fees, and availability vary by lender and state. A lender may perform a hard credit inquiry before final approval. Terms apply. Full rate & fee schedule.