Installment Loan Frequently Asked Questions

Q: What I need to be approved for an installment loan?
A: You need to meet the following minimum requirements:

  • Be a U.S. resident
  • Be at least 21 years of age
  • Have a checking account
  • Have a job
  • Make at least $1,000 monthly

Q: Is there a fee for filling out our application form?
A: We never charge our customers for applying for an installment loan.

Q: How is the installment loan amount determined?
A: We qualify you for an installment loan amount based on your personal needs, your monthly income and other questions that you answer on our application form.

Q: Do I need direct deposit?
A: Your loan application can be approved if your paycheck is direct deposited. It is the most secure way to provide installment loans as quickly as we do.

Q: Is my information secure and kept confidential?
A: Every installment loan is absolutely confidential and protected under our Privacy Policy.

Q: What hours is your online installment loan service available?
A: We accept installment loan applications 24 hours a day, every day of the year.

Q: What if I have bad credit?
A: Bad credit is not a problem. We don’t require that you have good credit.

Q: How do I determine my due date?
A: All installment loans are due on your next pay date, unless your next pay date is less than seven days away. In this case, your installment loan will be due on the following pay date.

Q: Can I pay off my installment loan earlier than the due date?
A: Yes, you can pay off your installment loan earlier than your due dates. You will not have to pay a prepayment penalty, and you will be able to get a refund of part of the finance charge. You can log into your account and make a payment anytime!

Q: What If I can’t pay the installment loan back?
A: We have a variety of repayments options available. You can renew your installment loan for another period.

Q: What if I change my mind and decide I don’t need/want my loan?
A: You have the right to cancel your loan. You would need to contact us by 5 PM following the effective date of your IL, ID, NM, or WI installment, or personal loan. One of our Customer Service representatives will discuss your options with you. In most cases if you haven’t come to your first Due Date and wish to rescind the loan after you repay us the principle There will be no charge Fees or Finance!