About Us

We are not a lender. John Thomas Financial is here to help you when you need money and can’t afford it on your own. We’ll connect you with one of our reliable online lenders, so all you have to worry about is getting the cash you need as soon as possible.

We want to help you in whatever financial situation you find yourself, no matter how difficult. From extending a helping hand when you need money quickly, to making sure our customers are satisfied, we’re committed to being there for you. And don’t worry if you have bad credit–our services will be the right fit for your needs.

Meet The Team

We're an award-winning multidisciplinary team based in Philadelphia with a passion for creating innovative architecture. We work with businesses and people to create a more beautiful world.

Lorraine Roberte

Lorraine is a freelance writer who specializes in digital marketing and personal finance. She has written for well-known sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.

Margaret Wack

By day, Margaret Wack helps small businesses and large organizations alike create engaging and informative content. She writes about personal finance, health and wellness, arts and culture, and other topics.

Joyce Marter

Joyce Marter is a psychotherapist and entrepreneur who, throughout her 25 years of experience, founded and sold Urban Balance--a national outpatient mental health company in the U.S. She's currently an adjunct professor at Northwestern University, international speaker, blogger for Psychology Today and thought-leader specializing in how money affects psychological health.

Joyce Marter is a licensed psychotherapist with 25 years of experience and entrepreneur who founded and successfully sold Urban Balance, a national outpatient mental health company in the U.S. Marter is an adjunct professor at Northwestern University, international speaker, blogger for Psychology Today and mental health thought-leader specializing in the psychology of money.

Being a mental health expert, Joyce Marter is constantly being consulted by various media outlets such as U.S. News & World Report, The Wall Street Journal, CNN and MTV. In July 2021, her book called “The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life” was published by Sounds True and has been gaining attention from well-known sources such as Business Insider, MoneyGeek , US Weekly , Thrive Global , Forbes and more.

Geoff Williams

Geoff Williams is a seasoned personal finance journalist, with experience writing on the topic dating back to the late 1990s. His work covers credit cards and loans, among other topics related to money management.

Along with being a journalist, Williams is also an author. He has written multiple books including “Washed Away: How the Great Flood of 1913, America’s Most Widespread Natural Disaster, Terrorized a Nation and Changed It Forever” and “C.C. Pyle’s Amazing Foot Race: The True Story of the 1928 Coast-to-Coast Run Across America.”

Scott Strandberg

Scott is an experienced business writer and editor, with the ability to produce compelling narratives that fit the client's desired tone. He has a wide range of experience, from newspaper journalism and multimedia marketing materials to in-depth baseball analysis and film criticism. Scott is focused on meeting deadlines and delivering high-quality work.

Scott is an experienced business writer and editor, with the ability to produce compelling narratives that fit the client’s desired tone. He has a wide range of experience, from newspaper journalism and multimedia marketing materials to in-depth baseball analysis and film criticism. Scott is focused on meeting deadlines and delivering high-quality work.

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Disclaimer
Short-term loans are short-term credit solutions with small amounts intended for temporary financial difficulties only that can quickly become a pricey alternative.www.johnthomasfinancial.com does not offer loans or make credit decisions, and it is free to use. This website only provides a matching service between users and lenders or third parties; it connects people who need loans with businesses that can provide them. There are no fees associated with using this site, and users are under no obligation to accept loan offers they receive through the site. The website presents all data on short-term loan products and the industry for informational purposes only. Johnthomasfinancial.com does not represent or endorse any particular lender, and we are not responsible for the actions or inactions of any lender. We also do not collect, store, or access information regarding the fees and charges associated with loans from lenders in our network. Short-term loans may not be available in all states, and not all lenders in our network can provide loans up to $1,000. There is no guarantee that any lender will approve the use of this website or that any loan product will be matched with a lender. Additionally, there is no guarantee that you will receive a short-term loan offer on the terms requested in the online form. In order to assess your creditworthiness and decide which products are best suited for you, the lender may need tocheck your credit score via one or more credit bureaus. To protect both the lenders and the applicant, extensive verifications will be performed. These may include, but are not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products can differ greatly from lender to lender because they often depend on numerous factors specific to each individual case including state of residence and credit standing of the applicant.

APR Representative

APR (Annual Percentage Rate) is the rate of interest you’ll pay on a loan if you borrow it for an entire year. Our website doesn’t offer loans directly, so we unfortunately can’t provide the APR that any specific lender charges. The interest rates offered by lenders can vary significantly, depending on numerous factors such as where you live and your credit score. In addition, there may be other fees associated with the loan offer, including but not limited to origination fees, late payment charges and penalties. Lenders may also take non-financial actions such as reporting late payments or taking debt collection action. The following financial and non-financial actions are not affiliated with www.johnthomasfinancial.com, and we have no information regarding what lenders may do in these situations. All charges and actions taken should be disclosed to the borrower in a clear and transparent manner within their loan agreement. The APR is the total cost of a product divided by the number of years it will last. It’s not a financial penalty for a short-term item.

Late Payment Implications

If you think you might miss a payment or will be late, call your lender as soon as possible. They may charge late fees and penalties, which vary by state. All the procedures and costs associated with late payments are explained in the loan agreement, so read it carefully before signing any paperwork.

Non-payment Implications

In cases of non-payment or missed payments, financial and non-financial penalties may be implied. The terms of renewal should be disclosed in the loan agreement. Additional measures undertaken as a result of non-payment, such as renewals, must be stated explicitly with consent. Each loan agreement should contain its own terms for renewal. Renewal costs and fees may be imposed additional circumstances.