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What is a personal loan?

Personal loans have smaller limits. They are not intended to buy a home or for any other big ticket item. Personal loans can be both Secured or Unsecured.

How do I see if I qualify for a loan if I have bad credit?

We take an application, usually over the phone. We get a list of 3 years of job and address history, and a list of your bills and income. We do pull credit to make sure we have all your bills listed on the application and to see how old any bad credit may be.

What will my interest rate be for one of your loans?

Our interest rate depends on the size of your loan and your stability at the same job and address. Our APR ranges from 21% to 36%. We have ZERO application fees and ZERO prepayment penalties.

How long does the process take?

Most approvals or denials are known within an hour of the initial application. If we are busy that process could be delayed. If there are any delays we will notify the applicant.
The loan close can take as little as 10 to 30 minutes depending on any questions that arise.

What are the key elements to an auto loan?

To purchase a vehicle, we usually need to see some money down and/or another paid off vehicle to be placed as collateral on the loan as well as the one you are purchasing. If you have great job stability and no recent late payments on your credit, these criteria could possibly be waived.

Do you do Payday and Title Loans*

No. BUT, we are able to help many clients that would normally have used those types of lenders. Our interest rates are a fraction of what they charge and we do report your payments to Transunion to help you rebuild your credit score

I’m in between jobs can I still apply?

No. Applicants must have a verifiable job and/or income of at least $1000 or more to be considered for a loan.

Can I get a loan if I have bad credit?

Yes! Not all, but most of our customers are here because they have unpaid collections or late payments on their credit that has caused their credit score to be too low for a bank or credit union loan. We can help you get back on track and start rebuilding your score.

How does a debt consolidation work?

Debt = anyone you owe money to. If you have several loans and credit card payments that you pay each month, a debt consolidation would pay off all of those lenders and then you would make 1 payment to the lender who consolidated the debt.

What do I need to know about debt consolidation?

The benefit of a debt consolidation is that it takes your multiple payments and merges them into one payment. Instead of keeping track of multiple bill dates, you can make one payment each month.

While debt consolidation will free up your credit cards, we always stress the importance of not racking up more debt. In order for debt consolidation to work, customers must be disciplined with their spending and commit to being debt free as soon as possible.

We are happy to walk you through the process and help determine if this is the best solution.