Find answers to common questions about our loan services
General Questions
We offer a wide variety of loan products including Personal Loans, Auto Loans,
Mortgage Loans, Student Loans, Business Loans, Payday Loans, Credit Builder Loans,
and Debt Consolidation Loans. Loan amounts range from $500 to $500,000 depending
on the loan type and your qualifications.
That's correct! We don't perform traditional credit checks that affect your credit score.
Instead, we focus on your current financial situation, employment status, and ability to
repay the loan. This means you can apply even if you have poor credit or no credit history.
Our pre-approval process typically takes just a few minutes to complete online.
Once you submit your application, you'll receive an immediate pre-approval decision.
Final approval and funding can occur within 24-48 hours after providing any required documentation.
Application Process
To complete your application, you'll need:
Personal information (name, address, date of birth)
Contact information (phone number, email)
Employment details and income information
Last 4 digits of your Social Security number
Banking information for fund disbursement
You can check your application status using your application number on our
Check Status page. Your application number
starts with "QL" followed by the year and a unique number (e.g., QL2025123456).
You can also contact your assigned agent directly for updates.
After pre-approval, you'll be assigned a dedicated agent who will guide you through
the funding process. You'll need to provide banking information for fund disbursement,
and your agent will contact you to finalize the loan terms and arrange funding.
Loan Terms
Loan terms range from 24 to 108 months, depending on the loan type. Interest rates start as low as 3.99% and are determined by your loan amount, term, and financial profile. Your assigned agent will provide exact rate details based on your pre-approved application.
Yes, you can pay off your loan early without prepayment penalties. We encourage
early repayment as it can save you money on interest charges. Contact your agent
or customer service to arrange early payoff.
Security & Privacy
Absolutely. We use bank-level SSL encryption to protect your personal and financial
information during transmission. Our servers are secured with multiple layers of
protection, and we comply with all applicable privacy regulations.
Read our Privacy Policy for full details.
Banking information is required to verify your disbursement account and ensure
funds are transferred to the correct account. This information is encrypted and
only used for account verification and fund transfer purposes. Your assigned
agent will explain this process in detail.
Business hours: Monday-Friday 8AM-8PM EST, Saturday 10AM-6PM EST, Sunday 12PM-5PM EST
24/7 emergency support available
Upon successful pre-approval, a dedicated specialist will be assigned to you to ensure comprehensive, personalized assistance at every stage of your loan process. This specialist will serve as your primary point of contact, guiding you through each step, addressing any questions or concerns, and providing expert support tailored to your individual needs. Our commitment is to deliver a seamless and transparent experience, prioritizing your satisfaction and confidence throughout the entire journey.
Still Have Questions?
Can't find the answer you're looking for? Our customer support team is here to help!