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FREQUENTLY ASKED QUESTIONS

Our TOP priority is CUSTOMER SATISFACTION. We are here to help you in times of financial difficulties. Please call us at 1 (800)-540-0504 or email us at [email protected] and one of our friendly Loan Specialists will assist you.

 

What is an Installment Loan?

Installment loans allow you to make scheduled payments that will stay at the same amount over the life of the loan with the possible exception of the last payment which might vary slightly.

 

What is a Line of Credit?

A Line of Credit or LOC allows you to borrow funds at anytime up to a specified credit limit and you are only charged interest on the amount actually borrowed.

 

How can I apply for a loan?

The process is very simple and only takes a few minutes. Simply fill out an application online or call one of our friendly Loan Specialists at 1 (800)-540-0504 to process the loan request for you.

 

What do I need to apply for a loan?

  • Be at least 19 years old.
  • Have an active Bank Account along with a regular source of income.
  • Be a US citizen or a permanent resident.
  • Be a resident of a state where we offer Installment Loans or Lines of Credit.
  • Have an active email address and valid work and personal contact phone numbers.

 

How much can I apply for?

It depends on your qualifications and your state requirements. Feel free to visit our Rates and Terms to learn more about the loan products available in your state.

 

How will I know if I’m approved?

One of our friendly Loan Specialists will contact you and/or you will receive an email notification and/or text message to contact us to complete the application process.

 

When will my loan be due?

Your payments for your loan will be due on the dates shown on your payment schedule in your loan agreement. These due dates normally coincide with your pay dates. We encourage our customers to pay back the loan as soon as they can or to make additional payments to reduce the overall cost of the loan. There are no prepayment penalties for early pay off.

 

Can I cancel my loan if I change my mind?

You can cancel your loan without penalty within 2 business days after the effective date of your loan by calling our Customer Service Department at 1 (800)-540-0504. However, please keep in mind that you will be responsible for returning the amount borrowed immediately.

 

What are the repayment options on my loan?

You can choose to pay your loan back via electronic funds transfer from your bank account (ACH, Debit Card) or by mailing a money order or certified/cashier’s check to us at 6360 NW 5th Way Suite 200 Fort Lauderdale FL 33309.

If paying by mail, please remember to allow at least five days mailing time to ensure that your payment is received by your payment due date to avoid incurring any late fees. Please note that your bank or financial institution may charge an additional fee to process a cashier’s check / money order.

 

How can I reduce the overall cost of my loan?

We offer numerous options to reduce the cost of your loan. We strongly recommend that you pay off your loan as soon as possible.

  • Pay off your loan in full at any time. There are no prepayment penalties.
  • Make additional payments towards your loan to reduce your principal balance and subsequent payments.