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Coffee Break Loans Reviews – Is Coffee Break Loans Legit?

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Are you considering taking out a loan from Coffee Break Loans? If so, you’ve come to the right place! In this blog post, we’ll review Coffee Break Loans in-depth and help you determine if it’s a legitimate lender for your financial needs. 

We’ll look at the loan terms, customer service, and customer reviews of Coffee Break Loans to help you decide if it’s the best option. Whether you’re looking to borrow a small or large sum, we’ll have all the information you need to make an informed decision.

About Coffee Break Loans

Coffee Break Loans is an online loan comparison and referral service. Its platform allows customers to compare different loan products from a network of lenders and lending partners. 

Customers can easily search for the best loan product for their needs and circumstances. Then Coffee Break Loans will connect them with the lender or lending partner that provides the best loan product for them. 

Coffee Break Loans’ primary mission is to provide customers with a secure, transparent, and reliable loan search experience. They strive to offer a wide selection of loan products, competitive rates, and flexible terms. The site also provides helpful resources and tips on choosing the right loan product, managing debt, improving credit scores, and more. 

The team at Coffee Break Loans believes in offering customers fast, hassle-free access to various loan options tailored to their requirements. With a focus on customer experience, transparency, and security, the site aims to ensure customers get the right loan product at the right time.

How Coffee Break Loans Work?

Coffee Break Loans is a platform that connects you with lenders and lending partners. The company searches hundreds of lenders and lending partners to find the best match for your loan needs. The firm works with lenders and lending partners who offer loans from $100 to $5,000, depending on the state. 

Once you apply, Coffee Break Loans will search for the best match for you. Then, you will be presented with the terms and conditions of the loan, including fees and interest rates. You can then decide whether to accept or reject the loan offer. 

If you accept the loan offer, the lender will deposit the funds into your account, and you will have to start making payments as outlined in your loan agreement. All payments are processed electronically, and you can have them directly debited from your checking account or make payments manually. 

It is important to note that while Coffee Break Loans does not charge a fee for its service, some lenders may charge fees or interest. Please read all terms and conditions of your loan agreement before signing it to ensure you are fully aware of any applicable fees or interest rates.

What is the percentage of the loan?

Coffee Break Loans offers loans with an annual percentage rate (APR) of 35.99% or less. The APR is composed of interest rates, fees, and other charges, which can all affect the overall amount of the loan. 

Different lenders may offer different APRs, so shopping around to find the best rate is essential. All loans are subject to a lender’s approval based on its unique underwriting criteria.

What data do the lenders’ documents have?

The lenders and lending members you are linked to will provide documents that contain all relevant information regarding the loan, such as:

  • The interest rate of the loan 
  • Details about any fees associated with the loan, such as origination fees, late payment fees, or early repayment fees 
  • Any rules or restrictions that may be applicable when it comes to refinancing, restoring, or rolling over the loan 
  • Any applicable terms and conditions related to the loan.

What would happen when you missed the payment or the loan?

If you cannot pay on time, you should contact the lender as soon as possible. Depending on the terms of your loan, late fees or other consequences may be associated with missing a payment. 

Missing payments or defaulting on a loan can result in adverse credit reporting, impacting your credit score and future loan applications. It is essential always to make sure that you can afford the repayment plan before you agree to the loan terms.

Who can qualify for a personal loan?

Coffee Break Loans offers personal loans to borrowers who meet their eligibility requirements. To qualify for a loan, you must meet the following criteria: be at least 18 years old and a US citizen or permanent resident, have an income of at least $1,000 per month after taxes and have a valid email address, work phone number, and home phone number. 

Additionally, most lenders require you to have been employed in your current position for at least 90 days or have some other means of steady and predictable income. 

When considering whether you are eligible for a personal loan with Coffee Break Loans, they will consider several factors, including your credit history and score, employment status, and financial standing.

How much can I borrow?

The amount you can borrow from a lender or lending partner in the Coffee Break Loans network depends on the lender or lending partner you are matched with. Many lenders and lending partners offer loans between $100 and $5,000. 

Generally, the more money you borrow, the higher your interest rate will be. It is essential to read the terms and conditions carefully before agreeing to any loan, as these will outline all fees associated with the loan. 

Additionally, each state has different laws that may limit the maximum amount to be borrowed. Be sure to check your state’s laws before applying for a loan.

How will I receive the loan money?

Once approved for a loan, the lender or lending partner will transfer the loan funds directly into your bank account. 

The funds may be available before the next business day, depending on the lender or lending partner. When the funds arrive in your account, you can use them for any purpose.

How long does the process take?

The process from start to finish typically takes less than 48 hours. After you complete the secure online form, we will start looking for a lender or lending partner willing to work with you. 

You should get a response within minutes, and final approval and funding can be done in as little as 24 to 48 hours. This makes it an ideal choice if you need money quickly and don’t have time to wait for more traditional loan options.

When and how do I repay my loan?

If you have chosen to use the ACH payment option for your loan repayment, the loan will be withdrawn from your bank account on its due date. This is designed for convenience and helps you avoid late fees or defaults. 

If you need an extension on your loan, don’t hesitate to contact your lender or lending partner before you miss a payment. It is important to note that additional fees may apply in this instance. 

Your lender or lending partner can provide more information regarding potential fees associated with an extension. Additionally, you can set up automatic payments to make your loan repayment on time each month.

What happens if I’m late with a payment?

If you are late on a payment, it’s essential to contact your lender or lending partner as soon as possible. Depending on the terms of your loan and your lender’s or lending partner’s policy, being late with payment can result in various consequences. 

These consequences may include additional charges, higher interest rates, a decrease in your credit score, and the potential for your loan to go into default. 

It is essential to keep in mind that lenders have different policies when it comes to late payments. You should review the terms of your loan agreement carefully to understand what happens if you make a late payment. Contact your lender or lending partner directly if you need help understanding your loan documents.

What happens if I’m not able to repay my loan?

If you cannot repay your loan, it’s essential to contact your lender or lending partner as soon as possible. They can provide options to help you avoid defaulting on your loan. These may include a loan modification, deferment, or forbearance. 

A loan modification can change the terms of your loan, making payments more manageable. A deferment or forbearance allows you to suspend or reduce your payments while still accruing interest temporarily. 

Depending on the type of loan, you may also have the option to refinance or consolidate your loan. These options should be discussed with your lender or lending partner before action. Failure to make your payments could result in late fees, penalties, and negative marks on your credit report.

Is Coffee Break Loans Legit?

Coffee Break Loans is a direct lender offering personal loans to help with emergencies. They have been around since 2018 and provide an easy, transparent process. The company has a secure website, and its customer service team is available 24/7.

The loan amounts range from $200 to $1000, depending on the borrower’s creditworthiness. The interest rates are competitive, and the repayment terms vary from 3 to 12 months. The loan application process is simple and only takes a few minutes to complete. 

The company also has several security measures in place to protect its customers. For example, they use 128-bit encryption technology to secure personal data, and they do not store any financial information. 

Coffee Break Loans also provides information about responsible borrowing and financial planning to help borrowers make informed decisions. They also have a dedicated customer service team available 24/7 to answer any questions or concerns. 

Coffee Break Loans is a legitimate company offering personal loans for emergency expenses. Their website is secure, their customer service team is available 24/7, and their interest rates are competitive. They also offer helpful resources for borrowers to make informed financial decisions.

Coffee Break Loans Reviews

Coffee Break Loans is a fast and convenient loan provider offering borrowers personal loans. The company promises competitive interest rates, a simple application process, and quick turnaround times. It’s worth considering if you’re looking for a loan but only have time to do something other than traditional banking processes. 

The website is easy to use. You can quickly get a quote for the amount you want to borrow and the repayment term you are comfortable with. You also get information about the interest rate and fees associated with the loan. 

Once you decide to proceed with the loan, the process is relatively fast, and you can expect to receive the funds within one or two business days. 

Coffee Break Loans also offers customers flexible repayment plans, so you can adjust your payment plan as needed. This makes it easier for those with financial difficulties at specific points in life. 

Regarding customer service, Coffee Break Loans has generally received positive reviews. Customers praise the team’s responsiveness and friendly attitude. Most customers seem satisfied with the overall experience. 

Coffee Break Loans is a good option if you need a personal loan and want approval and funding immediately. The APR is competitive, and the application process is quick and straightforward. 

However, it’s important to remember that, like all personal loans, you must ensure you can make all your repayments on time or risk damaging your credit rating.

Coffee Break Loans Pros and Cons


  • – Coffee Break Loans is a convenient and straightforward way to access funds quickly without dealing with banks and lenders. The application process is simple, and they offer flexible terms and conditions that make getting approved for a loan easier.
  • – Coffee Break Loans make it easy to apply for a loan, with no need for lengthy paperwork or long waiting periods. They also offer an online form that allows customers to apply for a loan in just a few minutes.
  • – There is no feedback from the funder, meaning you don’t have to worry about affecting your credit score by applying for a loan. 


  • – It cannot be easy to compare loans from different providers as Coffee Break Loans does not share detailed information about rates or terms and conditions.
  • – The loan amount you can borrow may be limited, and the repayment terms may not be as flexible as other lenders. 
  • – If you are late with payments or default on your loan, you could incur additional fees or face legal action.

Coffee Break Loans Alternatives

If you are looking for alternatives to Coffee Break Loans, a few options are available. MoneyMutual is an online lender that provides short-term loans up to $5,000 and does not require any collateral. 

BillsHappen® is another lender that offers quick loans up to $5,000, and is a lender that provides short-term loans of $100 to $1,000. Each lender has specific requirements for borrowers, so it’s essential to research before applying for a loan. 

All three lenders provide fast approval and cash deposits into the borrower’s bank account in as little as 24 hours, making them great alternatives for quick access to funds.


Coffee Break Loans is an excellent option for those who need a quick and easy loan. It provides a simple application process, competitive interest rates, and fast delivery of funds. The company also offers flexible repayment terms so that borrowers can make their payments in the best way for them. The only downside is that not everyone will qualify for a loan due to the stringent credit requirements. 

Ultimately, Coffee Break Loans is a legitimate source for personal loans. Still, it’s essential to read the terms and conditions carefully before making any decisions. Before committing to a loan, you should also research other options to ensure that you find the best loan for your needs.

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