FAQ

What can I use a personal loan for?

A common use for a personal loan is to consolidate debt. But there are many uses for a personal loan. For example, you could use a personal loan to finance a trip to Europe, a dream wedding or appliances. In addition to financing a major purchase, a personal loan could help you handle the important expenses, such as medical bills or moving costs.

How can I get approval for a personal loan?

1. If you are going to be approved for a personal loan is determined by many factors. Some of them include basic information about the application and data collected from credit bureaus.
2. In general, monitor your financial situation and check your credit report regularly. If you maintain a good financial position by doing things like paying bills on time, you could improve your approval opportunities.

What kind of personal loan interest rate can I get?

Interest rates are determined by many factors, such as your credit history, application information and the term you select. While your personal loan interest rate is important, you should consider the total cost of the loan.

How do I get the results of my application?

The results will be available to you within seconds after you submit your request. In some cases, we may need to request additional information or proof of income before your application can be approved. Once approved, you choose how much you want to borrow (based on your approval amount and state of residence). In the event that we can not approve your request, we will provide you with a reason for the denial.

How much can I borrow for an online loan?

The amount of your loan is based on income qualification criteria as well as state laws and regulations. If you successfully pay your first loan, we can increase your loan amount on any future online loans.

How can I qualify for an online loan or online cash advance?

You must meet the following requirements to be eligible to receive a loan or Credit Services:

  • Have an active and valid checking account
  • Having a job or a regular source of income
  • Must be at least 18 years of age (Alabama residents must be at least 19 or 18 years of age and married)
  • Loans in certain states may require income validation

Due to state and verification requirements, not all customers may be eligible for same-day approval. If you have defaulted on past transactions, you may be rejected for a loan. Some clients may be required to submit additional documentation in accordance with the state and / or lender rating criteria.

How are loans regulated online?

Online loans are regulated by each state. We comply with applicable laws, rules and regulations of each state in which we operate, as well as applicable federal laws.