Apply for a DREAM Loan
Fair rates. Fast approval. Real help.
Choose Your Program
Emergency Intervention (0%)
For: Families facing immediate crisis — repossession, eviction, utility shutoff
Rate: 0% interest + 5% one-time fee
Approval: 48-72 hours
Requirements: Asset collateral, documentation of crisis, community vouching through Hidden Manna
General Lending (1.75%)
For: Vehicle purchase, land, home equity, renovations
Rate: 1.75% annual + 2% origination
Approval: 5-7 business days
Requirements: Clear title or deed as collateral, income documentation
What You Will Need
For All Applications: Government-issued ID, proof of income (pay stubs, tax returns, or bank statements), asset documentation (vehicle title, property deed, etc.), and contact information.
For Emergency Applications (additional): Documentation of crisis (repossession notice, eviction filing, shutoff notice) and community vouching from Hidden Manna Ministries or equivalent.
Application Process
1. Submit Application — Online form takes approximately 15 minutes
2. Document Upload — Upload required documents securely
3. Review — Our team evaluates your application
4. Approval — You receive approval notification via email
5. Funding — Funds disbursed directly or to creditor
6. Repayment — Manageable monthly payments begin
Frequently Asked Questions
Q: Do I need good credit?
A: No minimum credit score. DREAM Token uses collateral-based lending.
Q: Can I have multiple loans?
A: Yes, as long as each is properly collateralized.
Q: Can I pay off early?
A: Yes! No prepayment penalties.
Q: What states do you serve?
A: Launching in Texas (Q3 2026). Expanding to Florida and Arizona.
Current Status
Application portal is under development. Launching Q3 2026.
Join our waitlist to be notified when applications open:
Email: apply@dreamtoken.io
We aim to respond within 24 hours.
Privacy Promise: All information encrypted and secure. We never sell your data. Used only for loan underwriting and servicing.
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