Some quick Questions and Answer

Questions:
 
USA Everyday Life: Your Marketplace for Quick and Secure Loans
USA Everyday Life provides a marketplace service where your loan request is submitted to a network of reputable lenders. Our service is always free—there is no cost to you for submitting an inquiry. Each lender has its own rates and fees, which will be provided to you before you accept any loan. Please note that USA Everyday Life is not a lender and does not make credit decisions.
We understand new customers may have questions, so we’ve compiled the most common ones below. If your question isn’t answered here, please complete the form on our Contact Us page, and we’ll get back to you quickly.
For questions about loan inquiries, approvals, funded loans, or payments, please contact your lender directly. If you’ve received a loan, you should already have the lender’s contact information. Since we are not the lender, we cannot assist with questions about pending or approved loans.
Common Questions:
What is a personal loan?
Personal loans may go by different names but are designed to provide temporary financial relief.
Who can qualify for a personal loan?
Most lenders require:
Employment for around 90 days or another reliable income source.
Be at least 18 years old and a U.S. citizen or permanent resident.
Monthly income of at least $1,000 after tax withholdings.
A valid email address, work phone, and home phone number.
How much can I borrow?
Lenders typically offer loans between $100 and $5,000, depending on your state and other factors.
How will I receive the loan money?
After approval and acceptance of the loan terms, your loan is deposited directly into your bank account, often by the next business day.
Can I still get a loan with bad credit or bankruptcy?
While personal loans are usually for those with good credit, some lenders may offer short-term consumer loans for those with bad credit.
How long does the process take?
It takes just a few minutes to complete our secure online form. You’ll receive a response within minutes, with funding often available within 24 to 48 hours.
Will I need a printer or fax machine?
Some lenders may request online access to your documents, but you may need to fax or email certain information. You should also have access to a printer to print your loan agreement.
What is the cost of a short-term consumer loan?
USA Everyday Life’s service is free, but loan costs vary by lender. All rates and fees will be provided before you accept any loan.
Can I get a new loan if I already have one outstanding?
This depends on your state’s laws and the lender’s policies. Inform your lender if you have another loan before accepting a new one.
When and how do I repay my loan?
Loan payments are typically made through automatic withdrawal on the due date. Contact your lender if you need an extension before the payment is due.
What happens if I’m late with a payment?
Lenders have different policies on late payments. Check your loan agreement or contact your lender for details.
How is my private information protected?
We use advanced encryption technology to protect your personal information. Please review our privacy policy for more details.
When can I get another loan?
You can use our service to apply for another loan anytime, subject to state laws.
Is an extension possible on repaying my loan?
Extension policies vary by lender and state law. Contact your lender before missing any payments.
What happens if I can’t repay my loan?
Late payments can affect your credit. If you are unable to repay, contact your lender immediately to discuss possible solutions.