How to Apply for Plain Green Loans
By Michael Chen, CFP® · Updated December 2025 · 5 min read
The Plain Green Loans application takes about 5-10 minutes to complete online. Here's everything you need to know before and during the application process.
Plain Green charges APRs from 199% to 699%. A $1,000 loan could cost you over $1,000 in interest. Make sure you've explored lower-cost alternatives first.
What You'll Need
Before starting the application, gather the following:
- ✓ Social Security Number
- ✓ Government-issued ID (driver's license or state ID)
- ✓ Bank account information (checking account and routing number)
- ✓ Proof of income (pay stubs or bank statements may be requested)
- ✓ Valid email address and phone number
Step-by-Step Application Process
1 Visit PlainGreenLoans.com
Go to the Plain Green website and click the "Apply Now" button. You'll be taken to their secure application portal.
2 Enter Personal Information
You'll need to provide:
- Full legal name
- Date of birth
- Social Security Number
- Home address
- Email address
- Phone number
3 Provide Income Details
Enter information about your income:
- Employment status
- Employer name and contact info
- Monthly/annual income
- Pay frequency (weekly, bi-weekly, monthly)
- Next pay date
4 Add Bank Account Information
Provide your checking account details:
- Bank name
- Routing number (9 digits)
- Account number
Note: This must be a checking account in your name. Savings accounts are not accepted.
5 Review Your Loan Offer
If approved, you'll see your loan offer including:
- Approved loan amount
- APR (Annual Percentage Rate)
- Payment amount and frequency
- Total repayment amount
- Loan term length
Important: Read the terms carefully! Pay close attention to the total repayment amount.
6 Accept or Decline
If you agree to the terms:
- Sign the loan agreement electronically
- Choose your payment method
- Confirm funding to your bank account
When Will I Get My Money?
| Approval Time | Funding |
|---|---|
| Before 9:30 AM MT (Mon-Fri) | Same business day |
| After 9:30 AM MT (Mon-Fri) | Next business day |
| Weekends/Holidays | Next business day |
| VIP Members | Instant debit card funding available |
Tips to Improve Your Approval Chances
- Double-check your information — Errors can delay or prevent approval
- Use your legal name — It must match your bank account and ID
- Ensure steady income — Regular deposits help demonstrate ability to repay
- Keep bank account in good standing — Avoid overdrafts before applying
- Apply during business hours — For same-day funding, apply before 9:30 AM MT
Common Reasons for Denial
- Incomplete or inaccurate application information
- Unable to verify identity
- Insufficient or unstable income
- Living in a state where Plain Green doesn't operate
- Existing outstanding loan with Plain Green
- Bank account issues
What Happens After Approval?
- Funds deposited — Money arrives in your checking account
- Create online account — Log in to manage your loan
- Set up payments — Automatic payments are set up by default
- First payment — Usually due on your next payday
Ready to Apply?
Make sure you've reviewed the costs and considered alternatives first.