Are my personal details secure?
Yes, our site uses McAfee SSL to protect your personal and financial information at all times. We understand how important it is that you can use our website without fear of your information being compromised, and take every step possible to safeguard that data.
Do I qualify to get a loan?
You’ll find that the eligibility requirements are very simple – you only need to be 18 or older, have a valid checking account, be employed, and have a regular place of residence. If you meet those stipulations, you’re welcome to apply for the loan you need!
Do you accept phone applications?
No, the loan application service is 100% online for your convenience. Offering the service to accept applications by phone would increase our operating costs, which would result in the loans we offer becoming more expensive.
Do you check my credit history?
We do not check your credit. We are not a lender – we work with a network of trusted lenders across the US. We do verify your place of residence, but that is all. However, once you submit your information, you agree to allow our lenders access to that information, and they may conduct a credit check to determine your creditworthiness or to establish your current debt to income ratio. If a credit check is necessary, you will be notified.
Do you offer loans in my state?
It depends. Due to state laws regarding interest rates, loan structures and other aspects of the lending process, not all of our partner lenders can operate in all states. We also recommend that you shop around for the best loan to suit your needs, even if that means going out of our network. Note that Instalment-Lenders™ services are not available within the state of New York, or for any New York residents. Also note that no matter where you might be located in the US, all transactions on our website reflect a location of Florida.
The initial part of our online process is to select the state you live in. At that point we shall confirm if your state is eligible.
How do I make repayments?
Your repayment schedule will determine when and how much you must pay, but your repayment process will be automated, with each payment automatically debited from your bank account on the due date. Your lender will advise you of all of these details prior to you agreeing to their proposal. That means you never need to worry about forgetting to make a payment. It’s simple and easy to manage your loan with our help.
How do I recieve the funds?
The funds for your loan will be deposited in your checking account within 24 hours of application and approval. Note that in some instances, it can take up to 48 hours for your funds to be deposited. Also note that any missing information from your loan application, including a digital signature, may delay the deposit of your funds.
How long does it take to process?
You’ll find that the average loan only takes about 10 minutes to process. You only need to accept the terms, and then your funds will be deposited in your bank account within 24 hours*.
How much can I borrow?
You can apply for loans from $300 to $5,000, but understand that your personal financial standing and creditworthiness will determine how much a lender offers you.
How much is the APR rate?
You’ll find that interest rates range from 4.95% minimum to 35.95% maximum. The APR rates are set entirely by the lenders – there are many factors at play here, including the type of loan in question, the lender offering the loan, and your personal situation.