Bill-Gate Jennifer Loan Company is a direct lender that provides affordable loans to hundreds of Ohio residents with bad credit to no credit scores. Your application will never be referred to other lenders. Our aim is to provide installment loans to fit your budget.  Unlike many of our competitors, America's Loan Company's typical Personal Loans, Title Loans, and Auto Financing Loans have terms between 13 to 60 months with no early payoff penalties.  They are reported to TransUnion, which may help improve your credit, and are made to prevent costly rollovers. We can also offer pre-approval of vehicle financing to help buy the vehicle you need.  Your credit score or previous bankruptcy will not affect a loan approval since we only pay attention to your credit history.