How it works
Once the loan application process is completed, your loan will be deposited directly into your bank account and payments will be taken directly from your account following the payment schedule written in the contract.

There is a $45 fee charged for every payment missed.

We do not roll over your loan.
Fair Collection
Our company uses fair collection practices. If payments go on unpaid, our collection officers will, at their discretion, terminate your installment plan and employ different methods of collecting what money is due. While your payments are stopped, interest on the unpaid balance accrues. Any legal fees required to obtain payments on your part are covered by you, the borrower.

We pursue uncollected debts to the fullest extent allowed by law.
Policy regarding responsible lending
Submitted applications will go through a filtering process that ensures the client we are lending to will have the capacity to reimburse the loan. This includes, but is not limited to: verifying that you will have sufficient income to reimburse the loan, you don稚 have very many insufficient fund charges, and that there aren稚 already too many preauthorised payments posted to your account that would keep you from reimbursing the loan in a timely manner. Failure to meet this requirement will be just cause for a refusal.

Bear in mind, microcredit loans have a higher rate of interest than loans offered by local banks. As such, they are to be used as infrequently as possible and only in the event that no other source of financing, at lower rates of interest, is available to you. Used correctly, a microcredit loan may be the right product for you and your current financial emergency. Taking on too many short term loans of this nature from many different lenders will result in overbearing debt and deep financial woes. Please borrow responsibly.
Faster Repayment
You can reimburse your loan as quickly as you壇 like.
We offer a grace period to our renewing customers to give them time to finish a previous loan before new payments on their new loan begin. Please consult our how to renew page for more information.
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