MoneyWhenUNeedIt.com

Information, Questions and Answers



"Re-Establish My Credit" or "Establishing Credit"

Whether you have "bruised or bad" credit or have yet to establish a credit history on your own, all of our loans are entered in to the credit bureau, each and every month. As you continue to make timely payments, your credit history builds or re-builds. It's that easy!




Careers

Are you looking for a new Career? Opportunities await you with the Leading Small Loan Company in the Midwest. COMPLETE AN ONLINE APPLICATION and await a call from one of our Career Specialists.




Lending Services

We offer a traditional installment loan.

  • All our loans generally have between 6 - 20 affordable monthly payments.

  • Our loans are fully amortized. What does that mean? Each installment will reduce both principal and interest.

  • The payments will fit within your budget.

  • All terms of the loan will be fully disclosed to you before you sign or commit to anything.



We DO NOT Believe in or Use Interest-only payments or products. Those products are designed to KEEP you in debt.



As you make your timely, monthly payments you will build equity in your account. Why is this important? If you have an emergency or need money quickly, you may borrow against that equity without changing your payment or your monthly budget! Payday and title loans can't offer that!



Some of our branches offer ACH payment or to automatically withdrawal your payment from your checking account as a convenience. But this is YOUR choice-it is not necessary. COMPLETE AN ONLINE APPLICATION.




QUESTIONS?

What are the requirements for obtaining a loan?

We base our loan approvals on a combination of three things:

  1. Your ability to repay

  2. Your Stability

  3. Your Willingness to Repay


Do I have to go into a branch or can I complete the loan here on line?

You may fill out an application here online, but when you're approved, you will be required to come into the store nearest you. It is important to us to meet you and establish that "hand-shake" relationship.



Do I need a checking account?

No checking account is necessary.



How soon will I hear back from my on line application?

All applications are processed daily. Someone will call you within 24 hours. If you want quicker feedback feel free to Call the Nearest Office Directly.



What if I have bad or bruised credit?

Let us decide what bad or bruised credit is. We are able to work around many problematic items on your credit bureau; like repossessions, unpaid school loans and medical bills.



What if I have initiated bankruptcy?

In this circumstance, we cannot help you. It is your bankruptcy attorney's duty to tell you, you may not apply for credit after the process is initiated.



Will you pull my credit bureau report?

Yes. It is necessary to understand your circumstances and make sure you can afford the payments.



Can I apply at the location instead?

Absolutely. Find the nearest location and Call Today!