FAST, FRIENDLY & CONVENIENT LOANS

F.A.Q.

WHAT WE DO
  • Fast Loan Application Process
  • Installment Loans
  • Car Repair Loans
  • School Loans
  • Emergency Loans
  • Small Loans
  • Vacation Loans
  • Build Credit
  • Starter Loan
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F.A.Q.

Ask us anything. We have the answers you are looking for in a small loan

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  • What does an Installment Loan company do?
  • How are these loans secured?
  • What is Responsible Lending?
  • Do all Locations offer the same loan amounts?

 


Q. What does an Installment Loan company do?

A. Traditional Installment Loan companies make loans to consumers which are repaid in equal monthly installments. Our loans range from $150-$1000 and from 4 to 11 months in duration. With a traditional installment loan there are no “surprises”.

You enjoy:

  • Fixed monthly payments
  • Fixed interest rates
  • Fixed repayment terms

We are NOT a payday lender.


Q. How are these loans secured?

A. The great majority of our loans are unsecured. Loans may sometimes be collateralized with a car title or luxury household goods, but never with access to a borrower's bank account. We practice “responsible underwriting” and look to the borrowers themselves for repayment.


Q. What is Responsible Lending?

A. We examine the borrower’s stability, ability and willingness to repay the loan, which we attempt to assess using budgets and credit reports, among other things. Budgets in particular help us to ensure that the loan is AFFORDABLE. Another consideration is our history with the borrower, many of whom are loyal customers who come back year after year. We look at each application independently and never use credit scores only or a scoring model to determine credit-worthiness.

Q. Do all Locations offer the same loan amounts?
A. Maximum loan amounts may vary per state – please see the chart below or contact the office nearest you for details.
StatesMinimumMaximum
Alabama  $150.00  $800.00 
Illinois  $300.00  $1,000.00 
Missouri  $160.00  $1,000.00 
Louisiana  $150.00  $800.00 
New Mexico  $150.00  $1,000.00 
Oklahoma  $175.00  $1,000.00 
Tennessee $150.00  $1,025.00 

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