Yes. Your call is on us. Our fax number is toll free as well.

Typically, you receive it within 12 to 36 hours of applying if you’re a new customer, and within 12 hours if you’re a renewing customer.

Certain conditions apply: New and renewing customers need to send in their documents before 3 pm Central on any given day, and a new customer’s application must be approved before 4 pm Central to benefit from a same day deposit. If the documents received have been altered or are not the ones requested, deposit of the funds may be delayed beyond 36 hours.

Finally, because most banks are closed on weekends, applicants that miss our deadline on Fridays will receive their funds on the following Monday at the earliest.

Many of our first-time customers ask us this question. While it is difficult to allay your fears online, the LoanHere.com team has extensive experience in loan brokering and does business with properly registered and licensed financial institutions. LoanHere.com will never debit your account other than on the days stipulated in the contract. No deposits are required to apply for or obtain a loan. Moreover, as set forth by our privacy policy, your personal information is never sold or shared with any third party that may use it to market products to our customers. Such business practices are great indicators by which to judge the legitimacy of a brokerage company such as ours.

In most cases, LoanHere.com does not require a customer to make any payments on the payday that follows the application. This means there is no sudden change to your budget, so you can spend that money on what you want. You pay as little as $63.33 on a weekly basis, as opposed to the $300 or more you would need to budget for to repay a similar amount when required to pay on your next payday. This is a much lighter load for your budget. The next time you borrow from us, it won’t be to fill that budget hole left by short-term solutions, but rather to spend on something new.

Typically, this should take no longer than five minutes to complete. Once you have completed it, call to speak with an agent to set up payment dates and answer any questions. You can also click on the live agent link above and have an agent call you to avoid waiting on the phone. We pride ourselves on our prompt customer service. Barring any technical issues, your call will be answered in less than three minutes.

We strive to give the quickest service we can. However, certain days are busier than others. Monday mornings are especially busy. If ever we are short on personnel (holidays, sick leave) you may have to call more than once to reach an agent. Other days of the week remain fairly steady and calls usually come through with no trouble.

If you’re a new client, we request that you send in a pay slip, a voided (or void) check, a bank statement showing two direct deposits of your pay, and a photocopy of a photo ID, driver’s license, or health card. These can be returned with the signed contract in several ways:

1. By e-mail, if you have access to a scanner, or in conjunction with an image capturing device such as a cell phone or digital camera.
2. By fax, which you can find at most photocopy shops, corner stores, Staples ™, pharmacies, post offices, or at your workplace.
3. By mail.

We desire to know our clients as more than just a number in a computer system. We pride ourselves on our quick response time, and continue to increase the number of customer agents as demand arises. This means that if you call today, next week, next month, or next year, you can expect to speak to someone directly, with very little hassle, in less than three minutes. You can request an agent to call you by clicking on our live agent link above, to avoid waiting on the phone.

The second issue is your security. We strive to identify our clients as accurately as possible to ensure that the borrower is really you.

Typically, customers can have an agent answer their call in less than three minutes.

With the proper setup at home, a customer can apply without the need for a fax machine. However, new customers must speak with an agent to borrow. If you’ve followed all of our simple online procedures, the conversation shouldn’t last more than two minutes. We strive to make this process as hassle free as possible. You may the live support feature found on our home page to request that we call you directly and avoid any phone queue.

Yes. This process can take up to ten minutes, and we’ll then proceed to send you a contract by fax or e-mail if you have access to e-mail and printer.

Yes. While we don’t do any credit checks, other factors may prevent you from borrowing. Typically, this is because your debt ratio in relation to your salary would be too high. In other cases, if false information has been received regarding your pay method or job status, then your application may be refused.

Because there is no application fee, there is no charge to the customer if an application is refused. Certain information is retained for future reference on our database if a customer were to call back, but that information is handled according to our privacy policy. In short, it will never be shared or used by any other person or organization.

While missing payments is discouraged, there is a $30 NSF fee (due to insufficient funds) that will be charged for missed payments. These are charged at the very end of your payment obligations. Also, if you do not call to explain what happened, a collection agent will contact you to advise you of the missed payment. We appreciate when clients take the time to call when such an event occurs.

While this is possible, it is not always allowed whenever a customer wishes it. Bear in mind that a contract has been signed. Customers should do their utmost to respect the agreed time frame. Also, payments are scheduled early in the week. Payments scheduled from Wednesday to Friday are typically programmed on the Monday of that week before 12:00 am Central. Payments processed on Mondays or Tuesdays are typically scheduled on the Monday of the week prior to your payment. In any case, we understand that certain circumstances may keep you from making a payment. Call and speak with an account agent to ask whether this option is available.

Customers can reborrow close to the term of their loan. You can speak with an agent for specific details. We do not allow clients to reborrow if the intended purpose of the loan is to cover remaining payments.

Reborrowing can be very simple.Details can be found by clicking on the ‘Renew’ tab above.

Yes. In fact, we lower our fees when loans are repaid early. Call and speak with a representative for more details.

No, unless you’ve been a client before and have repaid the loan promptly. Otherwise, you need to be paid by direct deposit to take out a loan here.

Currently, $500 is the most you can borrow. If you’d like to be informed of any changes to this policy, you can register and asked to be notified by e-mail when that happens.

We strive to provide the quickest service we can. However, certain days are busier than others. Monday mornings are especially busy. If ever we are short on personnel (because of holidays, sick leave) you may have to call more than once to reach an agent. Other days of the week remain fairly steady and calls come through with no trouble.

PPayments are withdrawn directly from your account following your paydays. In some cases, the bank may process the payment the business night before your payday; that is to say, just before or just after your pay. This system guarantees our payment and avoids an NSF fee for neglecting to leave money in your account. It’s unfortunate, but LoanHere.com adopted this system to make payments as smooth as possible.

Not necessarily. If you can provide documents showing your pays being deposited into your spouse’s account, then there is still a possibility to do business here.

No. This is a security measure against fraud. Payments must be deducted from the same account in which the loan is deposited.

While this is optional, the SSN number is used for security measures only. In the event that a caller provides your name and we are unsure who it is, we can use your SSN number as a last recourse to verify their identity.

Not directly, although we offer referral letters to clients with clean records who request it.

No, we do not check your credit.

Yes. Because we do not check credit, LoanHere.com will not refuse a new client because of a bad credit history.

No. Our brokerage fees are charged only after a loan has been deposited into your account. There are no application fees or deposits required before money is transferred into your account.

No. We will not take any material goods, aside from a revenue source, in exchange for a loan.

You must be at least 18 years of age to borrow, unless local law prohibits it.

Other forms of revenue are accepted. Typically, you need to have a steady job and direct deposit of your pay to be eligible for a loan from our lenders, but certain types of government pensions, salary insurance, and worker’s compensation are eligible. You should call to speak with an agent if this situation applies to you.

No, that is not possible.

In that case, if you’ve repaid promptly, you will be eligible to borrow again.

LoanHere.com is a call centre only. Everything is done over phone and fax or e-mail.

If all of your documents come in before 10:30 AM on any given morning, there is a good chance you’ll have the money deposited into your account overnight between six and midnight. Over 70% of new customers have their money the same day they apply (provided their documents come in early enough). Around 20% of our new customers will get the money deposited the following business day, and around 10% of our new customers will get the money deposited two or more business days after they apply. This is usually because there are some documents missing, or the administration had chosen to verify your employment and is having trouble doing so.

While you can open a file over the phone, you’ll need to find a fax or e-mail address to receive the contract and return your documents.

While this service is similar in many ways to a payday loan, you’ll have ninety days or more to reimburse your loan.

A pre-authorized debit form will do.

Regular salary / pay, old age pensions, workers compensation, salary insurance, most disability pensions, accident insurance, and certain others are admissible. If you aren’t certain whether you qualify or not, please feel free to call, as our number is toll free.

Salaries that are paid by check, unemployment insurance, any type of paternal leave, or accumulated pensions that total less than 1000$ a month are NOT admissible, as well as certain others. If you aren’t certain whether you qualify or not, please feel free to call, as our number is toll free.