Frequently Asked Questions

Personal loans may be known by various names, but they all share a common purpose: to provide temporary financial assistance during times of need.

Most lenders typically require applicants to:

1. Have been employed in their current position for approximately 90 days;
2. Be at least 18 years old, and a US citizen or permanent resident;
3. Earn approximately $1,000 per month after tax withholdings; and
4. Provide a valid email address and contact phone numbers for home and work.

The loan amount a lender is willing to offer depends on their evaluation of several factors, including your state of residence and applicable legal restrictions (please note that loans are not available in all states). Many lenders in our network offer loans ranging from $100 to $5,000.

Once your loan is approved by the lender and you accept the terms offered, the funds will be deposited directly into your bank account, typically as soon as the next business day.

Personal loans are generally available to individuals with good credit, though each lender maintains its own underwriting criteria. For those with challenged credit histories, short-term consumer loans may be an alternative option. If we cannot identify a lender willing to offer you a personal loan for your requested amount, we will search our network of short-term lenders to find alternative options for you.

Completing our secure online form typically takes just a few minutes. Upon receiving your information, we immediately begin searching for a suitable lender. You should receive a response from one of our lenders within minutes. Final approval and funding are often completed within 24 to 48 hours.

Some lenders offer the convenience of accessing your information—such as bank statements or income verification—online, eliminating the need to fax or email document copies. However, your lender may occasionally request that you fax or email copies of bank statements, pay stubs, or other verification documents. If you don't have access to a scanner or printer, consider visiting service providers like Office Depot, FedEx Office, or similar businesses. We also recommend having access to a printer to retain a copy of your loan agreement for your records. Should you have questions after your loan is funded, you'll need your lender's contact information, which will be provided in your loan documents.

There is no fee to use quick2lendreviews.com's marketplace service. The actual cost of your loan will vary by lender and will be transparently disclosed before you accept any loan offer. Short-term loans are not designed as long-term financial solutions but often present a more economical alternative to late charges, insufficient funds fees, or utility reconnection fees. We strongly encourage you to accept a loan only if you're confident in your ability to repay it according to the terms.

You may be eligible to secure multiple personal loans simultaneously, depending on the laws in your state and your lender's specific policies. If you currently have an outstanding personal loan or similar financial obligation, we recommend disclosing this information to your prospective lender before accepting a new loan offer.

If you select the convenient and secure ACH payment option, your loan payment will be automatically withdrawn from your bank account on the scheduled due date. This option is designed for your convenience and helps you avoid potential late fees or default complications. If you require an extension on your loan repayment, we recommend contacting your lender before any scheduled payment is missed (additional fees may apply for extension arrangements).

Each lender maintains its own specific late payment policies and associated fees. For detailed information, please review your loan documentation or contact your lender directly. It's important to note that some states regulate or impose limits on late fees.

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You may use our service to request a new loan at any time, subject to applicable state laws and regulations. If you have recently obtained a personal loan that remains outstanding, we recommend informing your new prospective lender of this obligation before accepting any additional loan offers.

The regulations regarding extensions or "rollovers" vary among lenders and are often governed by state law. Some states permit multiple rollovers, while others prohibit them entirely. If you need an extension on your loan repayment, we strongly recommend contacting your lender before missing any scheduled payments. Most lenders are willing to work with borrowers to help prevent missed payments or loan defaults.

If you cannot make your loan payments according to the agreed schedule, you may be considered in default of your loan obligations. Late payments and loan defaults can adversely affect your credit profile and may create obstacles to obtaining future financing.

If you anticipate difficulty making your payments on time, we strongly encourage you to be proactive. Contact your lender as soon as possible to discuss your situation and explore potential solutions or alternative payment arrangements.