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F.A.Q.

The questions and answers below represent the frequently asked questions in regards to the short-term lending and provide more details about our website in general. If you are unable to get the right answers to your questions here, please check the Contact Us page on our website to send your questions, and we will get back to you as soon as possible. You can make inquiries directly to your lender if your questions pertain to a specific loan or offer for credit.

What is a Short Term Loan?

A short-term loan is a financial tool that enables consumers to access money quickly when faced with financial problems. Since the loans are obtainable to consumers without their credit scores, they might not have to deal with the problem of a credit check to get cash. The whole process is fast and not frustrating compared to obtaining credit from traditional lenders. Our lenders will support you to access more than $1,000 depending on the lender, your financial condition, and your state.

How Can I meet the requirements for a Short Term 400 Dollar Loan?

It is easier to be eligible for the payday loan than any other forms of credit. Also, we can connect you with some users that request us. You must be 18 years old or older, employed with legal documents and living in the United States, have an official email address, have a bank account bearing your name, have a working phone number and meet the minimum income criteria set by your lender. Most lenders can provide funds if you don’t have an employer in as much as you are paid regular income through SSI or other similar methods. You must check each lender’s terms and conditions carefully because we are not going to offer you any assurance.

When is a Short Term Loan the Best Option?

Short term loans are projected to be used only in the financial crisis as a short-term answer to assist you to resolve your problem between paychecks. All the similar cautions used when accessing any form of credit must be used when deciding whether or not to take the short-term loan. You must not request a loan for any other reasons apart from a financial situation. If you are facing severe financial problems, you can contact a financial adviser before taking out credit.

What if I am Self-Employed or Have Multiple Jobs?

If you have many jobs, you must disclose the information concerning your primary job on the request form. You also need to include additional information about your secondary jobs when communicating with your lender. If your lender requests you to send them paycheck stubs, you must submit the stubs to all your employers. But if you are self-employed, you are asked for to show your income to meet the lender’s requirements. Also, your business should have been established, and your income must be regular for three months or more.

Are Short Term Loans costly?

Short terms loans are expensive than credit card cash advances or overdraft charges from your bank. However, these loans can cost less if you use it responsibly. The interest rates for short-term loans are much compared to other forms of credit because lenders believed that high risk is involved anytime they lend individuals cash without a credit check. But since these loans are projected to repay rapidly, the interest rate is minimized. Ensure you repay your loan on time to avoid unnecessary costs attached to your credit.

How Much Does it Cost?

The total amount that you are expected to repay will be calculated by many factors that include your financial condition, the state you reside, your lender, the amount of cash you lend and whether or not you repay your loan before deadlines. Most of the fees that are associated with your loan include interest, rollover fees, late fees, finance cost and more. Please go through your offers carefully to check the precise charges.

Will I Have to Fax Documents?

The lender's goal is to provide you with the cash you need as soon as possible, but sometimes your additional information has to be confirmed to lessen the lender’s risks. You can also be asked to provide the proof of your employment, legal status within the United States and bank account status before you can have access to the loan. If you don’t have a fax machine, your public library or local UPS Store can assist you with the fax documents for small per-page charges.

What if I Have Questions about the Lending Terms?

The Truth in Lending Act, states that every lender is required to offer you with the costs, terms, and conditions associated with your loan in a written document before extending any credit to you. If you have any inquiry regarding the terms of a loan offer, or if you disagree with these terms, this must be directed to the lender that made the offer, and you must not accept the offer expect further information has been provided. We cannot give more details because we are not a lender. Also, we want to remind you that when you submit an electronic signature, you have accepted to follow its terms and condition. Thus, please ensure you read your offers carefully and consult your lender if you have any other questions.

How Do I Stay Connected?

You can stay connected with a lender by visiting our website form page. We will ask you information that is necessary for processing your request for a credit loan. When the processing is done, the information is forwarded to all our network of lenders. If you stay connected with a lender and approved for a loan, your lender will get in touch with you through email, or you may be redirected to the lender’s online home page. You must review the offer you get properly, and if you agree to the terms, you can sign the electronic signature loan agreement. Once you have provided your signature, the money will be paid into your bank account before the next working business day.

How Do I Repay My 400 dollar Loan?

The terms connected with the repayment of your 400 dollar loan will be discussed in the terms and conditions you received from your lender. Most times, the lender might withdraw your debts from the loan funds plus interest and fees from your bank account on the repayment date. You must ensure that the money is available at the exact time. You can contact your lender as soon as possible if you are unable to repay your loan. You might meet the requirements for other options like extensions or rollovers that may reduce your cost in the long run.

What if I Have Questions about My $400 Loan?

If you have questions in regards to a specific loan, you can contact your lender as soon as possible. To protect your privacy, this service doesn’t have access to the information associated with your loan. The loan agreement must contain all the contact information in other to get in touch with your lender if you have any problem. If your lender refuses to respond or if you are not satisfied with the answers you received from your lender, you can consult many government agencies through the links provided. These organizations will help you to resolve the problem.

How Many Loans Can I Have at Once?

We highly recommend you to avoid taking more than one loan at a given time, because some states permit two or three multiple loans at the same time. If you request for a new loan, you will be required to disclose all the information about your previous loans on your request form. Also, states that permit multiple loans usually offer limits on the total amount of credit that you can obtain, this means that your loans request might not be granted. Our lenders have the right to decline credit to individuals that has an outstanding loan despite the rules and regulations in that state.

What if I Cannot Repay My Loan before the Deadline?

Firstly, you need to review your loan offer and finances properly before filling and submitting the form. You must not request a loan if you are not able to repay the loan on time. Also, our lenders are aware that emergencies may occur, and many offer alternatives. If you are not able to repay your loan before the deadline due to some reasons, you must contact your lender immediately. You might be issue debt collect attempts, but our lenders are not going to file a criminal action against you. Don’t forget that your debt will continue to add more interest at a higher rate when it is not paid.

Why was My Request not granted?

If your request was not granted, this could happen due to many reasons. Firstly, it might be that you are not eligible or you don’t meet the requirements for obtaining a short-term loan. Your loan may not be granted if you are presently in bankruptcy. You may also be denied short-term lender if you have not repaid your previous lender, or if you have an outstanding loan debt with other lender that has a better standing. If you feel neglected or discriminated in any form, please visit the Consumer Financial Protection Bureau.

Can I Request a 400 dollar Loan From the Same Lender Again?

If you have a great experience with a specific lender and you wish to make use of the lender again, you can do so. However, this is highly recommended because it will create a good business partnership between you and your lenders that could lead to more significant loans, low-interest rates and access to many other credit associated products offered by the lender. You can easily review the loan agreement or any information you received from the lender to contact them and request for a loan directly.