How to Apply

The application process is simple. There is no credit check, no need to fax anything and no paperwork. You just need two things:
logo facebook

Facebook Account
Active more than a year

Bank Account

Bank Account
Checking or Savings

To be able to lend money with low fees, or no fees, we need to keep default rates very low. In order to do that, we rely on our customers to help us in two ways:

  • To only borrow what they can pay back on time
  • To only recommend friends and family member who they feel will repay their loans

As such, most new Rainy Day members are accepted based on the recommendation of a current Rainy Day member. If you have a friend or family member who is currently a Rainy Day member, you can join immediately with their recommendation. If not, you'll be placed on the waiting list when you finish the brief application.

To start the application process, login using facebook

We will never contact your friends and as Facebook will confirm when you login, we are not requesting the ability to post to your page or friends. We require everyone to login using Facebook because it reduces fraud and default rates and allow us to give you a loan with much lower fees.