At Flash Financial Guide Frequently Asked Questions section you can find all the answers to your questions, to help you to decide to apply for a loan with the direct lender of your choice.

Please note that we are NOT a Lender and all the information in this FAQ’s page are subject to each direct lender policy. You may browse the FAQ’s page of the direct lender of your choice for more questions or you can contact them directly by their phone number or email address listed in their website.

What is an Installment Loan?

An Installment Loan is a loan that gets paid back according to a fixed payment schedule. This means you pay a certain amount each payment due date. Each payment you make covers principal (original debt) and interest accrued. In addition, the loan can be paid back at any time without any prepayment penalty.

What kinds of income are eligible?

Pay from part-time or full-time employment, child support are all eligible. To be accepted, your income must be predictable and reasonably expected to continue through the loan’s maturity date.

How much can I borrow?

New customers are eligible for loans up to $1,000, if qualified. Returning customers can borrow up to $1,200, if qualified. Once you fill in the information requested to complete your application online, your maximum loan amount will be presented to you. You can borrow anywhere between $300 and your personal maximum.

In the future, each Direct Lender may be able to increase your loan amounts based on your history of timely payments, etc.

What is the process to apply for a loan?

Browse all Flash Financial Guide Available Loans Offers. Compare and pick the Lender that best suits your financial needs.

Then it’s as easy as 1-2-3!

  1. Fill out the easy application online
  2. After a few seconds, you will receive notice letting you know whether or not you’ve been pre-approved. You must sign your loan agreement and complete Bank Verification to have your application reviewed.
  3. Underwriting will not review any loan application without the Bank Verification completed. To expedite your loan process, we require your Bank verification. This process is safe and secure. Completing this may lead to possible same day funding with no additional fee

What happens if I have bad credit?

It is understandable that you may have had credit troubles in the past. Our loan offers are tailored to service a wide-range of borrowers regardless of past problems with credit or have no credit.

Each Independent direct online direct lender has it owns policies and may or may not run a credit check. Our goal is to help all borrowers get the money they need by providing a wide range of lenders network.

How soon can I receive my funds?

  • All available direct lenders offer same day funding up to $1,500 with no additional charge if your application process is completed in full by 9am MST*. Same day funding applicable only on business days some exceptions may apply. Your banking institution may take additional time to provide you with access to your funds.
  • Loans approved between Monday and Thursday are funded the next day. Loans approved on Friday and Saturday will be funded on Monday. Your banking institution may take additional time to provide you with access to your funds.
  • Your loan funds can be available in your bank account by the next business day as long as you complete the following items.

Note: Timeframes may vary according to lender you are applying with. Because Flash Financial Guide is NOT a Lender, we cannot assure the borrowers any timeframe to receive their funds.

When are my payments due?

Your payments are due on the dates listed in your loan agreement. If you need to make an adjustment to your payment schedule, you can call your direct lender Customer Service for assistance.

Can I pay my loan early or pay more than scheduled?

You can make additional principal payments or pay your loan in full at any time, without incurring any prepayment charges or penalties. It is strongly recommended to pay your loan off as quickly as possible.

How will I know if I’m approved?

The Direct Lender should send you an email notification once your application has been approved by underwriting. If denied, the same direct lender should send you a notice by e-mail.

Once paid off, when can I get another Installment Loan?

All direct lenders let you be eligible for a new loan as soon as your last payment clears – which could take your bank up to three business days to confirm. As a returning customer, you might enjoy an even simpler loan process and borrow more money.

What is the cost of credit?

Your loan’s total cost depends upon the amount that you’re approved for and your payment history. Please browse all available loans offers by participating direct lenders in check their Rates page for more details.

What are the qualifications to be eligible for a loan?

To get approved you most online direct lenders require the following conditions:

  1. A job or other regular source of income
  2. An electronically accessible checking account where your paychecks are deposited. Saving accounts or prepaid debit cards will not work.
  3. A valid email address and phone number
  4. You must be least 18 years old

What does it mean to do business with a Tribal Company?

It means tribal law governs your relationship with that direct lender and will apply to your obligations including your loan agreement.

Note that not all direct lenders are tribal lender.

How long will the process take?

Once you complete the application, sign your loan agreement and complete bank verification, our Underwriting team will review and notify you by the end of business day. If we have any questions, you should contact the lender you are applying with.

The application process is fast and easy and is generally completed in minutes. There is usually no need to fax any documents. The fast cash application is available for online completion.

Why do direct lenders need my bank account information?

Direct lenders need your bank account information to be able to give you your loan. When you are approved and close a personal installment Loan, they will send your money to you directly. It will usually be deposited into your bank account in as little as 24 hours from the time of your approval.

No more questions?

Ready for your Installment Loan?

More questions?

Contact our Customer Service