[SiteNameShort] is dedicated to offering the fastest and most hassle-free lending available. Our simple loan process is designed to get you the money you need, when you need it most. Here is a list of common questions.
How will I know if I have been approved?
If your information is complete and accurate, you should be contacted within 15 minutes from the time you submit your application. If you have applied outside of normal business hours, we will contact you the following business day.
How and when do I receive my money?
When you apply, you may choose to receive funds in the form of a paper check or electronically as an ACH credit. If you choose to receive your funds by check, you should allow 7 to 10 business days for the funds to be mailed to you. With the electronic option, once approved, the funds could be available in your bank account by the next business day. For a small fee, we can process your funds via wire transfer, which may allow your funds to be sent to your bank on the same business day. These options could be delayed if we are unable to verify the information on your application. Your financial institution may or may not offer this service and may charge an additional fee – check with your bank to be sure.
How and when do I repay my loan?
Your Consumer Loan & Arbitration Agreement provides you with the terms of your loan and will contain a payment schedule that will show you your payment dates and the amounts owed on those dates. However, you may visit our website and view your payment options at any time. You may pay additional amounts toward your principal on scheduled payment due dates. You may also choose to pay your loan in full at any time without penalty and your finance charges will be prorated if it is prior to your due date. If you have any questions about your payment schedule, you may also call Customer Service at [SitePhone] or reach an agent via Live Chat from our website.
How much can I qualify for?
If this is your first loan you may qualify for up to $1000.00. With subsequent loans you may qualify for as much as $1200.00.
Am I able to pay off my loan early?
Yes, you may log in to your Account Portal and view your payment options at any time to pay your loan in full at without penalty, and your finance charges will be prorated if it is prior to your due date. You may also use the Account Portal to add extra principal to your scheduled payments. If you have any questions about your payment schedule, you may also call Customer Service at [SitePhone] or reach an agent via the ChatLive link at the top of the page.
If sufficient funds will not be available on my payment due date, what should I do?
Contact Customer Service at [SitePhone] and an agent will be available to assist you with exploring other payment options. If we are not contacted and your payment returns for insufficient funds, a $20 insufficient funds fee may apply and you may incur overdraft fees from your financial institution and your payment may be resubmitted. If that resubmitted payment returns for insufficient funds, your account may be suspended until all monies are paid, and our collection process will begin.
Can I have more than one loan at a time?
You are only eligible to receive one loan with us at a time.
How do I get another loan once my loan is paid off?
You have two options; you can reapply online at [SiteUrl] by using the returning customer login, or you can call Customer Service at [SitePhone] to reapply.
Is my transaction private?
Absolutely, we utilize a secure 128-bit SSL certificate for all input items. We also employ several different security certification services to prevent hacking or data intrusion. We strive to constantly adapt to new technologies to provide better security.
Is there an application fee?
No, you will never be charged an application fee.
What if I have poor credit or no credit?
Though you are not guaranteed to be approved for a loan, these short term loans are designed to help individuals with Bad Credit or No Credit. We base our decision on the information you have provided in your application and may run a credit check using a specialized credit bureau.
What if I have an outstanding consumer loan with another company?
If you have more than two active loans, we will be unable to assist you.
How can I opt-out from receiving text messages?
If you have previously given consent to receive text messages and have changed your mind, you can opt out of receiving further text messages by reply texting the word "STOP" to a previous text or by calling us at [SitePhone].
What kind of text messages will I receive?
How do I contact you?
We look forward to hearing from you; you can contact us by phone at [SitePhone], by email at [SiteEmail], or you may log on to our website at [SiteUrl] to LiveChat with an agent.
Can I apply by telephone?
No, we don’t accept applications over the phone for new customers. You can click on the “Get Your Money Now” tab on this website and fill out an application online. Then you may contact us by phone at [SitePhone] or by clicking the “Chat Live” icon at the top of the page.
What is a consumer loan?
A consumer loan is a short-term, small-principal loan that is repaid in installments in accordance with a payment schedule set out in the Consumer Loan & Arbitration Agreement.
Why is there so much information in the Loan Agreement?
The Loan Agreement is a contract that complies with federal requirements. It outlines the financial terms of the consumer loan, including the cost of the loan, dollar amount of the loan, annual percentage rate, method of repayment and schedule of repayment whether you choose to pay it off on your first due date or follow your Consumer Loan & Arbitration Agreement.
How do I know that the amount to be withdrawn from my account is the amount you say?
If you select the Electronic ACH option and provide an ACH authorization, we will be authorized to use the Automated Clearing House Network and must adhere to NACHA rules and regulations. The amount to be withdrawn from your account will be the amount that is authorized by you in your Consumer Loan & Arbitration Agreement. If you see a different amount, please give us a call at [SitePhone] so that we may rectify that error.
Do you accept debit cards for making payments on my loan?
No, at this time we do not accept debit or credit card payments.
If I change my mind, can I go back to ACH billing?
Yes! You may contact one of our Customer Service Agents at [SitePhone] for assistance with this change.
Can I add a credit card to pay my loan?
Sorry, we do not accept credit or debit card payments at this time.