Good to know
Frequently asked questions
Clear, honest answers to the questions we hear most — from applying and eligibility to rates, repayment and security. Still unsure about something? Our US-based team is one call away.
Applying & eligibility
Getting started
How do I apply for a loan with Green Plains Loan?
You can apply online in minutes. Tell us how much you need and your preferred term, and we'll check your rate without affecting your credit score. Most applicants receive a decision within 24–48 hours and funds within 1–2 business days of approval. See the full process on how it works.
What are the eligibility requirements?
Generally you must be a US resident, at least 18 years old, have a steady source of income and an active bank account. We weigh affordability and your ability to repay rather than your credit score alone, so a wide range of borrowers can qualify — including through our bad credit loans.
Does checking my rate affect my credit score?
No. Checking your rate uses a soft inquiry that does not affect your credit score. A hard inquiry — which can have a small, temporary impact — only happens if you accept an offer and move forward. You can safely start now just to explore your options.
Loan products
Choosing the right loan
What types of loans do you offer?
We offer personal loans from 6.5% APR over 12–60 months, installment loans with fixed rates and equal payments over 6–36 months, bad credit loans from 15% APR based on income and affordability, and tribal loans offered under tribal sovereignty with flexible terms for Native American communities.
Rates & repayment
Costs, terms and paying it back
What are your interest rates and loan terms?
Personal loans start at 6.5% APR with terms of 12–60 months and amounts from $500 to $35,000. Installment loans use fixed rates with equal monthly payments over 6–36 months. Bad credit loans start at 15% APR. Your exact rate depends on creditworthiness, income and applicable state or tribal law — see the full breakdown on rates & terms.
How are my monthly payments calculated?
Your monthly payment is based on your loan amount, APR and term. With installment loans, payments are equal every month so the amount never changes. Estimate yours before applying with our installment loan calculator.
Is there a penalty for paying my loan off early?
No — we never charge prepayment penalties. You're always free to pay extra or settle your balance ahead of schedule, which can reduce the total interest you pay over the life of the loan.
How do I make my repayments?
Repayments are usually made automatically from your bank account on a fixed schedule. With installment loans the payment is the same every month, making budgeting simple. If you ever expect to miss a payment, contact our support team early so we can help.
Bad credit
Borrowing with imperfect credit
Can I get a loan with bad credit?
Yes. Our bad credit loans look beyond your score, focusing on income and your ability to repay. Many borrowers with less-than-perfect credit qualify, and making on-time payments can help you build credit over time.
Will applying hurt my credit if I have bad credit?
Checking your rate uses a soft inquiry that does not affect your score, regardless of your credit history. This lets you see your options risk-free before deciding whether to proceed — just start now to find out.
Funding, security & privacy
Timing and protecting your information
How fast will I receive my funds?
Most applicants receive a decision within 24–48 hours. Once you accept your offer, funds are typically deposited directly into your bank account within 1–2 business days. See each step on how it works.
Is my personal information secure?
Yes. We protect your application with bank-grade 256-bit encryption and never sell your personal information. You can review exactly how we collect and use data in our privacy policy.
Still have a question? Contact our team
Got your answer? Take the next step
Checking your rate takes two minutes and never affects your credit score. See what you qualify for today.