U.S. Loan Applications is a connection service which submits your request form to our network of lenders. There is no cost for submitting an inquiry. The fees and rates are quoted directly by the lender which is connected to your profile. We are not a lender and will not provide you or anyone else with lending services.
Any questions pertaining to loan payments, request form status, extensions, etc. should be directed to the lender whom you submitted your request form to. Once your request form has been submitted on the lender's website you'll receive the lender's contact info.
- How much can I borrow?
- You can get anywhere from $1,000 to $35,000 for a personal loan. The approved amount will be predetermined by the lender. If you're not eligible for a personal loan, you may be offered a payday loan. Payday loans range from $100 to $1,000 depending on your state.
- How will I receive the money?
- Once you have been approved, the money is wired electronically to a checking account of your choice.
- If I have bankruptcy or bad credit can I still get a loan?
- Yes, you can still get it despite bounced checks, charge offs, bankruptcy and also credit related issues.
- How long will it take?
- Once you've complete the form, you can sometimes receive an answer within minutes. Lenders may need additional time to review your information.
- Will I need a printer or fax machine?
- You should have printer in order to print out the loan documents for your records. Also, the lender who receives your inquiry will possibly need for you to fax over information to them. Information such as your bank statement and a pay stub will need to be faxed over. If you do not have a fax machine you can always use ones available at Office Max, Kinkos, Mail Boxes, Staples, etc.
- What is the cost?
- There is no cost to use our connection service. The fees of the loan will vary depending on the amount and the lender. The lender will notify you of the exact fees for the loan once on their website. However, please bear in mind that cash advance loans have been designed with emergency needs in mind and will be lower in terms of expense as compared to late charges, check fees etc. which you may incur if you are late with payments.
- If I have an outstanding cash advance loan is it possible to get a new one?
- Yes, you may qualify, even if you have another outstanding loan you can still qualify. But you'll need to be sure to disclose this outstanding loan to the lender.
- When and how do I repay my loan?
- Both the loan fees and the amount is withdrawn directly from your checking account once the due date has been reached. You will not have to think twice about it! This saves you from having to visit any store. An extension can be requested by contacting your lender prior to the due date. But there will be additional fees which apply to the extension.
- What happens if I'm late with repayment?
- There are different policies followed by different lenders in our network. It is advised that you review the policies pertaining to late payment often found in the lender's documentation prior to inserting your e-signature on that document. However, many states have laws that dictate how much lenders are allowed to charge for late payment.
- How is my private information protected?
- Is an extension possible on repaying my loan? And how many extensions can I get?
- The state laws on this differ and dictate if a lender can grant you an extension often referred to as a 'rollover'. While some states allow for multiple rollovers, others do not allow it at all. You should ask your lender about anything concerning rollovers / extensions. Also make sure to contact your lender with an extension request prior to the due date of your payment. If you do not do it in time the lender will charge you additional fee and ask for immediate payment of the remaining balance. Also additional fees and other charges may be levied on you if you default.
- What happens if I'm not able to repay my loan?
- Lenders are always determined to pursue collections after the due date of their accounts to the fullest legal extent. You may have to face criminal charges and additional fees if you do not repay on time.