FAQ Topics

Account Services

Our online account services area has been designed to allow our customers with funded loans to virtually manage all aspects of their relationship with us. Here you can:

  • Review your loan(s) and payment history
  • Make extra payments or pay off your loan
  • Update your contact information
  • Update your security information (user id, password, security question and answer)
  • Conveniently apply for another loan

If you have a funded loan - just Sign In to begin.

Better Business Bureau

We are members of the Better Business Bureau. You may visit the BBB web site at BBB.com to review additional information about our company.

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Credit Scores

We do not use credit scoring as part of our approval process. However, individuals with excellent and substantial credit typically have credit scores in the mid 700s or higher.

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Excellent Credit

Given the unique nature of each individual's credit situation, there is no single definition for "excellent and substantial credit". However, individuals with excellent and substantial credit usually share the following characteristics:

  • Five or more years of significant credit history
  • A credit history with a variety of account types such as major credit cards (Visa, MasterCard, Amex), installment debt (vehicle loans), and mortgage debt (if applicable).
  • An excellent payment history with no delinquencies or other problems repaying debt obligations.
  • A proven ability to save.
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How It Works

Here is how it works:

  • Apply online
  • We will email you within minutes during our business hours concerning your loan application.
  • If approved, you can go online, electronically sign your loan agreement, provide your banking information, and choose your funding and monthly payment dates. You may fund as early as today!
  • On your selected funding date, we will transfer your loan proceeds into your designated checking account.
  • Go shopping or refinance your other loans!

It's that simple: paperless, fast, no title work or liens on your assets, and a competitive interest rate. We're so confident that you will love the experience that we guarantee it!

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Loan Use

There are no restrictions on what you can use the loan for other than that you agree to use the loan primarily for the loan purpose you selected on your application and that you agree not to refinance any existing loans that you might have with us.

If you have a loan purpose not specifically displayed on our Rates/Terms page, please select Other.

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Loans for Educational Expenses

All our interest rates are fixed, including those for educational expenses. You can determine your interest rate by going to the Rates/Terms page and selecting Educational expenses as your loan purpose, your loan amount, and your loan term. This is the rate you would receive if you are approved for a loan and use our AutoPay option.

Please note that the loans are fully amortizing with NO deferment period. Of course, that means you will be debt free sooner.

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Loans for Vehicles

You can buy any vehicle (new/used) from anyone (dealer/individual). Your interest rate will be the same and will be determined based on the loan purpose, loan term, loan amount, and payment method you select. In addition, remember that our AnythingLoan is an unsecured loan, saving you the paperwork hassles of loan-to-value ratios, lender liens, etc.

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No Fees

We do not charge any fees of any kind.

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No Prepayment Penalties

We do not charge any penalties for prepaying your loan, in whole or in part. You may make extra payments at any time by Signing In to your account.

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Pre-approvals

We are sorry but we do not provide loan pre-approvals nor do we take application information by phone or fax. You must complete and submit our online application in order to be considered for a loan. Also, if you are approved for a loan, you are under no obligation to use the loan.

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Rates

Our interest rates are fixed. You can determine your interest rate by going to the Rates/Terms page and selecting your loan purpose, loan amount, loan term. This is the rate you would receive if you are approved for a loan and you choose the AutoPay option.

On our Rates/Terms page, you may also view our other available loan terms and calculate your monthly payment with our payment calculator.

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Terms

Our AnythingLoan can be used for any purpose. Our loans are only for individuals with excellent credit. Please go to our Rates/Terms page for specific rates and terms.

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