Frequently Asked Questions

General FAQ

How to qualify for a loan?

To be eligible for a loan, one should:
– Be a U.S. citizen
– Not be a member of the military or spouse/dependent of a member of the military.
– Be at least 18 years old.
– Have a proof of regular income that meets lender’s minimum monthly net income requirement (around $1,000).

How much money can I borrow?

Payday loan amounts fluctuate from $100-1000. The final approval amount is determined by the information shown on your application. New clients usually qualify for loans ranging from $400-$800, while returning customers might get loans up to $1000. With installment loans you can get $5,000 and less.

How to apply for an online loan?

If you are a new client, fill out our online application. After submitting your request, lender will notify you about the pre-approval within a few seconds. Returning clients just have to log in the system.

How to know whether my application has been approved?

You will get an almost instant decision after submitting your application. If you do not receive this notification in reasonable time, please contact us.

Why is it necessary to provide my bank account information?

We will request your banking information to deposit funds. It usually takes 24 hours to deposit your money directly to bank account. In case you need the money sooner, extra fees may apply. This service, though, is available upon the lender’s disponibility.

When do I receive my loan?

In most cases, within 24 hours or on the next business day through direct deposit into your bank account. Deposit times might differ based on lender and on type of loan. Lenders process installment and personal loans longer.

Do you help people with no credit?

Definitely – YES! We support to such individuals.

Do you charge any fees for using your service?

No. Our online service is free to apply, and you are not committed to agreeing with the offer presented to you if not 100% satisfied with your rates and terms.

Payday Loans FAQ

What are payday loans?

A payday loan is a short-term loan allowing you to receive cash immediately based on your next estimated paycheck.

How do payday loans work?

The procedure to obtain a cash loan differs depending on how you choose to apply, but the main elements are equal:
– Fill in an application;
– Get a lending decision;
– Sign payday loan documents;
– Get cash;
– Pay back your payday loan amount plus fees;

When will my payday loan be due?

Your loan is due on the next payday.

What are the fees on a payday loan?

The fees depend on each lender. Some lenders may charge higher APR than others, so reading the loan offer thoroughly before signing is always a good idea.

How to pay back my payday loan?

The due amount will be substracted from bank account automatically with your next paycheck.

How long does the entire online procedure take?

It only takes a few minutes to send the application. After submitting it, one of our lenders will contact you within the day with either an authorization or denial. If authorization is successfully processed, it can take anywhere from one to two business days to receive funds.

Installment Loans FAQ

What is an installment loan?

A loan repaid over time with a fixed number of periodically scheduled payments, called installments.

What are the different types of installment loans?

Some installment loans can last just a few months, others – as long as 30 years. A mortgage, for instance, is also an installment loan.

What installment loans does your site offer?

We are not direct lenders, but an online loan matching service working with fair lenders. Lenders could lend the money to help you cover expenses like paying bills, rent, making a card payment, etc. Installment loans have a longer term than a typical payday advance.

How do installment loans work?

You pay a fixed amount periodically, and interest accumulates at a daily permanent rate. After being admitted for a loan and fixing the repayment schedule, your loan principal and interest will be due over an arranged period of time.

Where can I get installment loans?

You can easily apply online via our website and obtain such loan.

Personal Loans FAQ

What is a personal loan?

A personal loan is a loan taken with no collateral, guaranteed exclusively by the borrower’s signature. It is repaid in small installments over a long period of time.

How do personal loans work?

When you have finished filling in the online application form on our website, please make sure the information has been written accurately. When applying, it is vital that the information you write down is precise and up-to-date so that we can best match you with a loan provider. Indicating wrong info might affect both the APR and your chances for approval.

Can I still get a personal loan if I have bad credit?

Definitely – YES! We focus on helping clients with bad credit to obtain financing.

Is it mandatory to be employed in order to get a personal loan?

No, as long as you have some systematic income, you do qualify. Regular income includes benefits, social security, disability, settlements, etc.

How do I receive my money?

Most lenders electronically transfer your money into your bank account.

How much can I borrow and for how long?

Loans are available from $5,000 – $35,000. Nevertheless, not all lenders are able to offer up to $35,000.

What can I use personal loans for?

Use personal loans for anything you need money for: debt consolidation, medical bills, traveling, home improvement, event organizing or even wardrobe refreshment. Personal loans are suitable for covering high expenses, rather than small ones.

What are terms of repaying personal loans?

Terms vary from one year to six. Repayment terms range by lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months. Use our personal loan calculator to conclude what to expect for your loan payments at different rates, terms and loan amounts.

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