All your Questions answered in one place

How do I request a loan?

Requesting a loan with FinanceTimely.com is fast, safe and easy. Our lenders will give you a decision on your loan request in seconds! To get started, please click here

How quickly will I know if my loan is approved?

After submitting your loan request, if a lender decide to work with you- you will be redirected to the lender website, your loan amount, interest rate and repayment period will be provided immediately by the lender in his site for your review. The lender will probably also contact you to verify your details (by phone, text, email, etc). Responding in a timely manner will help ensure that funds are deposited as quickly as possible.

How and when do I receive my loan?

Once your personal loan application has been approved by the lender, the funds will be transferred to your bank account as soon as the next business day. Depending on your financial institution, it can take up to 7 business days for the funds to become available in your account.

What are the minimum requirements to qualify for a loan?

In order to qualify for a personal loan, applicants must usually meet the following requirements:

  • Applicants must be a US citizen or permanent resident
  • Applicants must be at least 18 years old
  • Applicants must be employed or have a regular source of income
  • Applicants must provide valid contact information (email address, phone number, address, etc.)
  • Applicants must have an active checking account

How soon do I get my money?

Typically, if a lender offers you a loan and you accept the loan offer right away, you may be able to get the money deposited directly into your account as soon as the next business day. If you accept the loan offered to you on a non-business day, weekend, or holiday, that may affect how long it will take for you to get your money.

Is your site secure?

Your personal privacy is very important to FinanceTimely.com. Our website is secured via Secure Sockets Layer or SSL. SSL is the standard security technology for establishing an encrypted link between a web server (FinanceTimely.com) and a web browser (our Clients). This allows for sensitive information to be transmitted securely. No method of transmission over the Internet, or method of electronic storage, is completely secured. Therefore, we cannot guarantee its absolute security. 

What is the APR for the loan that I may get if I find a lender?

First off, it’s important to understand what an APR is. APR or (Annual Percentage Rate) is meant to represent the interest rate and fees of a loan for an entire year. That said, the loan that you are likely to be offered by a lender is intended to be a short-term loan that is repaid in a matter of weeks, so using an APR to represent the fees can be misleading. However, since APR is a commonly used way of expressing the fees of other types of loans, such as mortgage loans, auto loans, and types of personal loans. Since FinanceTimely.com is not a lender, we aren’t able to accurately represent the exact APR that your lender may offer; however, the typical representative APR range is somewhere between 261% and 1304% for a 14 day loan. Remember, you should pay your loan back on time to avoid fees and penalties. Make sure that you review the terms and conditions of the loan that is offered to you so that you don’t end up with an "annual" loan!

What happens if I’m late paying back the loan?

If you are approved by a lender and accept the terms and conditions of their loan offer, you are agreeing to pay that loan back in the amount of time expressed in the loan documents. Partial payment, non-payment, or late payment is likely to result in additional fees. If you refuse to repay the loan all together, it is likely that the lender will engage a collection company to try and recoup what you owe them (just like any lender would). Please don’t agree to a loan that you cannot repay. Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some of these options may result in a renewed or "roll-over" loan that may have additional fees and may renew automatically unless you request otherwise. Please make sure to review your lender’s renewal policies, and make sure that your payment preferences are known to your lender. If you have questions or need more information on renewal policies, please contact your lender directly. While most short term lenders will not run a traditional credit check, it is important to know that in some cases credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers in order to make a decision on whether or not to offer you a loan. It is also important for you to remember that if you do not repay your loan on time, your delinquency may be reported to a credit bureau, which could negatively impact your credit score. As with any loan, it’s important to repay the loan on time or contact the lender to work out a payment plan. Please borrow responsibly!

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We are confident that our friendly and knowledgeable customer service staff, secure website, and lightening-fast response time, will leave you highly satisfied with your experience at FinanceTimely.com.

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