Birch Lending
VIP Rewards Program

You deserve to be rewarded!
That’s why we’ve launched our Birch VIP Rewards program to reward you for making on-time loan payments and paying your loans off early.

How Our VIP Rewards Program Works

Birch Lending VIP Rewards is a customer appreciation program that rewards you with points for every successful on-time payment & additional principal payment you make.

All Birch Lending customers are automatically enrolled in the program, and as soon as you make your first on-time payment, you will automatically start earning points.

The points you earn can be redeemed as a credit toward the principal owed on your outstanding loan or toward the principal owed on any future new loans.

Redeeming your points essentially gives you a discount on the cost of your current or future loan!

Please see our terms & conditions for more information.

Perks for Choosing Birch Lending

VIP Rewards members have access to FREE same-day funding, giving you access to the funds you need without waiting!* Check out our other wonderful perks below

Higher Loan Amounts
As a Birch Lending VIP Rewards member, you may qualify for a higher loan amount on subsequent loans you apply for. We offer loans of up to $3,000, PLUS extra perks for making your payments on time.
Exclusive Offers
VIP members are eligible for exclusive offers throughout the year. Just be sure you’re opted in to our marketing emails and texts so you don’t miss a thing
Lower Rates
VIP members may be eligible for lower interest rates on subsequent loans.†
Priority Call-In Service
When calling in, VIP members are promptly connected to the next available agent.

Hear from our Customers

FREQUENTLY ASKED QUESTIONS

For every dollar paid on time, you will receive one VIP Rewards Point. For every additional dollar paid towards the principal balance of your loan, you will receive two VIP Rewards Points.

You can view your VIP Rewards Points balance and VIP Rewards accrual history balance by logging into your account on the Birch Lending website.

VIP Rewards Points can be redeemed as a credit toward the principal amount owed on your current loan in good standing or can be applied on future loans in good standing.

VIP Rewards Points can only be redeemed in denominations of $1. You can redeem your points by logging into your account on the Birch Lending Website and selecting the Redeem button to apply your points. Points are redeemed as a credit toward the principal owed of your current loan in good standing and/or future new loans.

Birch VIP Rewards Program is a customer loyalty program that rewards customers with points for every successful payment made on-time and any successful additional principal payment made.

All Birch Lending customers will automatically start earning points as soon as they make their first on-time payment.

Only Birch Lending accounts in good standing may redeem points. Accounts in a Collection Status would not be considered in good standing, and thus cannot redeem points.

A good standing status means that each loan payment is made on-time, you don’t have any returned payments, and your account is not in a Collection Status.

Please allow up to three business days for earned VIP Rewards points and/or Credit Redemption to reflect on your account.

About Birch Lending

Birch Lending offers a hassle-free solution to getting an online installment loan. Through our simple and secure online application process, Birch Lending customers can get the funds they need to cover life’s small emergencies. Plus, most customers can get their funds within the same day if their application is processed and approved by 2 p.m. CST.*

†Certain program and underwriting requirements apply.