We connect you with a broad network of trusted lenders at no cost. Below are some common inquiries. For specific loan-related questions, please contact your lender.
What is a short-term loan?
These loans are designed to cover immediate financial needs for a short period.
Who can qualify for a personal loan?
Most lenders require:
- Employment for at least 90 days or a stable income source.
- Be 18 years old or older and a U.S. citizen or permanent resident.
- A monthly income of at least $1,000 after taxes.
How much can I borrow?
Loan amounts typically range between $1,000 and $50,000, based on your location and regulations.
How will I receive the funds?
Once approved and after agreeing to the loan terms, the money is often transferred directly into your bank account by the next business day.
Can I get a loan with bad credit or a previous bankruptcy?
Some lenders specialize in offering loans to individuals with less-than-perfect credit. If no lender matches your request, we will try to connect you with a lender better suited to your profile.
How long does the process take?
Filling out the form takes only minutes. Responses from lenders are typically quick, and funds are often deposited within 24 to 48 hours after approval.
Do I need to print or fax documents?
While most lenders handle documents online, some may require bank statements or pay stubs. If needed, office service providers can help with faxing or printing.
What will the loan cost me?
Using our service is free. Loan costs depend on the lender’s terms, which are provided before you accept any loan.
Can I apply for another loan if I already have one?
It depends on your lender and state regulations. Disclose any existing loans to your new lender before applying for another.
How can I repay the loan?
Repayment options typically include automatic withdrawals from your bank account to ensure timely payments. If you need an extension, contact your lender to explore options.
What if I miss a payment?
Lenders have their own late payment policies, which are outlined in the loan agreement. Late fees will depend on state laws.
Is my personal information secure?
We use advanced encryption and security protocols to protect your data. Check our privacy policy for more details.
Can I apply for another loan later?
Yes, as long as state laws allow it. Always inform your lender if you have an outstanding loan before applying for a new one.
Can I extend my loan repayment?
Some lenders offer extensions or "rollovers," but these depend on both lender policies and state laws. Reach out to your lender if you're struggling with repayments.
What should I do if I can't repay the loan?
Failure to repay can harm your credit score and reduce future borrowing options. Contact your lender to discuss potential solutions if you're facing financial hardship.