Fidelity National Loans

What Fidelity National Loans does

Fidelity National Loans is a privately held, USA-based online consumer lending platform founded in 2019 and headquartered in Oakland. The company offers two core products: Classic Payday Loans and Personal Installment Loans, both advertised up to $50,000 and applied for entirely online through a self-serve application available 24/7 nationwide. Personal installment loans feature fixed interest rates repaid in equal monthly payments over terms typically limited to 24 months, while payday loans are positioned for short-term, immediate cash needs; final pricing and eligibility depend on the applicant's individual credit profile and are not publicly disclosed.

The underlying technology is minimal: the website runs on WordPress and embeds an iframe-based loan application from lowcreditfinance.com (tracking code aff49580), with cash requests routed for processing and funds deposited directly into applicants' bank accounts. The company operates multiple doing-business-as brands (Fidelity Payday Loans Nationwide, Fidelity Personal Loans Nationwide, Fidelity Cash Advance Nationwide, Fidelity Payday Advance Nationwide) to capture search demand across adjacent consumer-credit verticals. There is no proprietary lending infrastructure, in-house underwriting system, mobile app, or disclosed AI/ML capability in the source data.

Revenue is generated from interest charges and fees on originated loans under a transaction-fee model. The go-to-market motion is fully direct-to-consumer via organic search and the company website, with no physical branches, no disclosed institutional investors, and no management team information available. The ownership structure is undisclosed beyond a "USA Owned & Operated" claim, and no incorporation jurisdiction, licensing status, or regulatory footprint is verifiable from the source data.

Name

Fidelity National Loans

Legal name

Fidelity National Loans

Website

https://fidelitynationalloans.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Fidelity National Loans is a privately held US online lending platform founded in 2019, offering payday and personal installment loans up to $50,000 to individual consumers nationwide through a 24/7 self-serve application built on a WordPress site embedding a third-party loan iframe.

Ownership category

akta.pro rank

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Interest and Fees: Revenue generated from interest charges and fees on payday loans and personal installment loans. Personal installment loans feature fixed interest rates repaid in equal monthly payments over approximately 24 months. Loan amounts available up to $50,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Fidelity National Loans is a USA-based online consumer lending platform that offers two core products: Classic Payday Loans and Personal Installment Loans, each available up to $50,000. The company operates fully online 24/7 nationwide with no physical offices, processing applications through an iframe-based form and depositing approved funds directly into customers' bank accounts within minutes.

Product overview

Fidelity National Loans is a USA-based online lending platform offering two core loan products: Classic Payday Loans and Personal Installment Loans. Both products are available up to $50,000 and can be applied for entirely online with immediate processing. The company operates nationwide, 24/7, with cash deposits made directly to applicants' bank accounts. Personal Installment Loans feature fixed interest rates with equal monthly payments over a typical term of up to 24 months, while Classic Payday Loans provide short-term financing for immediate cash needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Classic Payday Loans Short-term payday loans available up to $50,000, processed entirely online with immediate cash request processing and funds deposited directly into the customer's bank account. Targeted at US individual consumers nationwide seeking fast cash for personal financial needs, with no physical office visit required.
• Personal Installment Loans Medium-term personal installment loans up to $50,000 with a fixed interest rate, repaid in equal monthly payments and typically limited to a 24-month term. Loan offers and eligibility depend on the individual's credit profile. Designed for US consumers seeking financing for personal needs such as debt consolidation, medical expenses, car repairs, tuition, or vacations.

Quantifiable outcome

• Cash deposited into bank account in minutes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• Low Credit Finance (iframe integration)coreTechnology or IntegrationFidelity National Loans embeds an iframe application system from lowcreditfinance.com (tracking code: aff49580) to power their online loan application process. This technology integration enables the self-serve loan application functionality on their website.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• Speedy Cash: Online and retail provider of payday loans, installment loans, and lines of credit with nationwide U.S. coverage, directly competing with Fidelity's small-dollar credit offering.
• Check Into Cash: Multi-channel payday and installment lender with both retail and online distribution; offers comparable small-dollar loan products to a similar underbanked consumer base.
• ACE Cash Express: Retail and online payday and installment lender with nationwide footprint; competes directly with Fidelity in small-dollar, short-term consumer credit.
• OppLoans: Online installment loan provider for subprime borrowers; comparable digital-only model and underserved consumer focus to Fidelity's installment product.
• MoneyKey: Online installment and line-of-credit lender targeting subprime consumers; similar product structure, digital-only delivery, and customer demographic to Fidelity National Loans.
• PersonalLoans.com: Online network connecting consumers to personal and installment loan offers from a lender panel; similar lead-generation/marketing-front structure to Fidelity's iframe-driven application flow.
• Advance America: Largest U.S. payday lender with both retail and online channels; offers payday and installment loans nationwide with an overlapping customer profile and product mix.
• CashNetUSA: Online direct-to-consumer payday and installment lender offering small-dollar loans nationwide; closely matches Fidelity National Loans' product set, customer demographic, and online-only delivery model.
• CashAdvance.com: Online lead-generation and loan-matching platform for payday and cash advance products; mirrors Fidelity's marketing-front approach using brand-style sites that route traffic to lender networks.

Broad incumbents

• LendingTree: Major online loan marketplace aggregating personal, payday-adjacent, and installment offers from a broad lender network; a scaled incumbent operating in the same small-dollar credit category.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity National Loans