FAQ
What is an installment loan?
An installment loan is a short-term, unsecured loan extended to borrowers. The repayment is carried out over a predetermined amount of time and the loan is paid back in a series of payments, or installments that go toward the loan.
What are your minimum requirements?
Full Time W-2 Employee with email address, home phone, checking account in good standing, and you must be at least 24 years of age. All signed Loan Agreements are subject to verification of prior loan history and application data. For a complete list of minimum requirements, please check our Requirements page.
How much money can I borrow?
When will the money be in my bank account?
When will I hear back for you?
During our normal business hours of 9am CST to 5pm CST, we will contact you by telephone within 15 minutes after we receive your application.
Do you check credit?
We will not request credit reports from any of the three (3) major credit bureaus. However, we do verify that you are actively employed
Credit Authorization Policy
Typically, applicant information is reviewed in real-time to determine eligibility. You acknowledge by completing and submitting the website application that you are applying for a loan. We verify applicant information through national consumer databases including, but not limited to, Clarity, Data X, Experian, Equifax, Factor Trust, and Trans Union. We may pull these reports in order to determine your eligibility and ability to repay.
Why do I need to submit my banking and Social Security Information?
We must have your personal information to verify your identity and to deposit funds into the correct bank account. Your information is always kept secure and confidential in our encrypted database.
What states are currently not serviced?
Alaska, Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Hawaii, Kansas, Maryland, Massachusetts, Micronesia, Minnesota, New Jersey, New York, North Carolina, Ohio, Palau, Pennsylvania, South Carolina, Vermont, Virginia, Washington, West Virginia, and All US Territory Islands . We do not offer Installment Loans to active military personnel or their dependents.
How do you protect my privacy?
View our privacy policy HERE
Can I pay my Installment Loan back early?
Yes, you can pay your Installment Loan back early. Please contact us at least three (3) business days before your due date to let us know that you want to debit your account early. You will not be entitled to a refund or discount of the fees.
Why am I not receiving e-mail notifications about my account?
In some instances, it may be the case that our emails get filtered into your spam folder. It is important to make sure that you monitor your spam folders as well if you expecting emails from our company. If you have any questions regarding the failure to receive e-mail notifications regarding your account, please call us at 866-779-9001 and we will be more than happy to assist you.
What if I don’t have the money in my bank account to make my payment?
If your payment due date arrives and you don’t have the funds available in your bank account, contact us immediately. Only by discussing your repayment options with us will allow you to be able to keep your account in good standing.