Frequently asked questions
Unfortunately, no. We cannot defer your first or your last payment of your loan. We also cannot defer an upcoming payment if your last payment was unsuccessful. We can not defer two payments in a row.
Your first payment must be taken by automatic withdrawal, but all other payments can be paid off early.
Unfortunately, we do not offer insurance on our loan’s products at this time. However we are willing to make arrangements with you, if needed during difficult times.
To defer your upcoming payment, simply give us a call or email us at: 1-877-471-4589 or email us at [email protected]
Please note that a 48 hours delay is mandatory.
Have your balance, you will have to choose how you would like to make this early payment. We offer 3 payment options: 1. Email Money Transfer. 2. Credit Card payment 3. Automatic withdrawal. For options 1 and 3, you can either call or email to request the information needed, but for option 2, you will have to call at 1-877-471-4589 to make the payment.
The fee to defer a payment is $25.00 for the first one. On your second deferral request, we charge you $50.00 ($25.00 fee and take $25.00 off your balance). On your third deferral, we would charge you $75.00, ($25.00 fee and take $50.00 off your balance).Please note that a 48 hours delay is mandatory.
In order for us to update the banking information on your file, we will need a void cheque or a pre-authorized debit form. Simply forward a picture of either document to [email protected]
If you have lost your employment or you are unable to work for different reasons, we have ways to help. We will require you to supply documentation supporting your claim. If the correct documentation is provided, then we can have payments suspended for 2-6 weeks. ex: E.I. Claim, Doctors note, Disability claim, Detox center documents, private insurance claim, etc. If by the 6 weeks, you are not back at work, you will need to get in contact with us to make arrangements at 1-877-471-4589.
If you missed a payment, you will acquire a $45.00 NSF charge. If you missed a surety fee payment, then that payment, along with the NSF fee, will be put at the end of your surety payments. If you missed a regular loan payment, then that payment along with the NSF fee, will be put to the end your loan payments. For each missed payment, you loan will be extended by 2 payments, 1 for the missed payment, and 1 for the NSF fee. How ever if you can make up the missed payment within 5 business days, no NSF fee will be charged.
We always offer 5 business days to make up for missed payment. If that payment is made within 5 business days, then no NSF fee will be applied. We offer 3 payment options: 1. Email Money Transfer. 2. Credit Card payment. 3. Automatic Withdrawal. For options 1 and 3, you can either call or email to request the information needed, but for option 2, you will have to call at 1-877-471-4589
In order to defer your upcoming payment, we need a 48-hour notice for regular loan payments, and a 7-day notice for surety fees (as they are collected by a third party company)
We would advise you not to. For any missed payment, you will acquire a missed payment fee. That fee is more than the fee we charge to defer your payment. Multiple stop payments on a loan will put your file into a poor standing. This could affect your ability to obtain another loan in the future.
The loan application process is 100% safe. Our company guarantees that your information will be kept confidential. When you call us about your file, we will always require that you answer security questions to access your file. This procedure ensures that nobody else but you can access to your information.
We do offer payment arrangements, simply give us a call at 1-8777-471-4589, our qualified agents will do their best to help you make this loan more sustainable.
We always offer 5 business days to make up for missed payment, if you don’t or can’t make up for the missed payment, then on your next payment date you will have both payments come out of your account, and the NSF fee will come out on the following payment date.
Deferral fees are taken on the same day your regular payment was scheduled to be taken.
Yes you will, we always send a confirmation by email along with a confirmation number for your payment.