UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-Q/A

              [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1999

                        Commission File Number: 000-25621

                                  E-LOAN, INC.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

              DELAWARE                                   77-0460084
              --------                                   ----------
   (State or other jurisdiction of          (I.R.S. Employer Identification No.)
    Incorporation or organization)

              5875 ARNOLD ROAD, SUITE 100, DUBLIN, CALIFORNIA 94568
              -----------------------------------------------------
             (Address of principal executive offices)    (Zip Code)

       Registrant's telephone number, including area code: (925) 241-2400
                                                           --------------

     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.

                                 Yes [X] No [ ]

     As of November 1, 1999, 41,716,526 shares of the Registrant's Common Stock,
$0.001 par value per share, were issued and outstanding.

     This  10-Q/A is being  filed to amend  Part II,  Item 6 (a)  "Exhibits  and
Reports  on Form  8-K" to  include  newly  redacted  Exhibits.  Other  than  the
aforementioned  changes, all other information included in the initial filing is
unchanged.


<PAGE>


Item 6. Exhibits and Reports on Form 8-K

(a)      Exhibits:

        10.6*   Greenpoint Mortgage Funding, Inc., Strategic Alliance Agreement
        10.7*   H&R Block Mortgage, Systems and Marketing Agreement
        10.8*   Providian Financial Corporation, Website Linking Agreement
        10.9*   Bank of America, N.A., Strategic Alliance Agreement
        10.10*  Autoconnect, L.L.C., Referral Agreement
        10.11*  Autoconnect, L.L.C., Addendum to Referral Agreement
        10.12*  Intelligent Life Corp., Listing and Advertising Agreement
        10.13*  Kelley Blue Book, Referral Agreement
        10.14*  Kelley Blue Book Company Inc., Amendment to Referral Agreement

*Confidential treatment granted

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                E-LOAN, Inc.


Date: March 27, 2001             /s/ Matt Roberts
                                ---------------------------
                                Matt Roberts
                                Chief Financial Officer
                                (Principal Financial and Accounting
                                Officer and Duly Authorized Officer)




<PAGE>


                                  Exhibit Index


Exhibit Number                      Description
--------------                      ------------

        10.6     Greenpoint Mortgage Funding, Inc., Strategic Alliance Agreement
        10.7     H&R Block Mortgage, Systems and Marketing Agreement
        10.8     Providian Financial Corporation, Website Linking Agreement
        10.9     Bank of America, N.A., Strategic Alliance Agreement
        10.10    Autoconnect, L.L.C., Referral Agreement
        10.11    Autoconnect, L.L.C., Addendum to Referral Agreement
        10.12    Intelligent Life Corp., Listing and Advertising Agreement
        10.13    Kelley Blue Book, Referral Agreement
        10.14    Kelley Blue Book Company Inc., Amendment to Referral Agreement