What do I need to qualify for a loan?
You need income, a checking account, an email address, a phone number, and direct deposit of your income into your checking account. You will also need to be 18 years old.
What kinds of income are eligible?
Pay from part-time or full-time employment, child support, Social Security, and pension are all eligible. There are other rare types of income that are also allowed. 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 from $100 to $800. Returning customers can borrow up to $1000. 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 $100 and your personal maximum in $25 increments
How do I get a loan?
If you are new to us, your loan application may have been provided by a 3rd party. You were then re-directed to our website so you could provide us with some additional information and sign your loan agreement.
If you are a first time borrower, you are required to speak to a Loan Representative before you receive your loan, so we can verify your identity, verify your income, gather some additional information, and make sure you understand the terms of your loan.
Returning customers can call our VIP line and have their loan setup within a few minutes.
Do you run credit checks?
We use various credit reports, data sources and application information as part of out underwriting. If a credit report is pulled, this may result in a soft post or inquiry on your credit report, which usually does not affect your FICO score.
How soon can I receive my funds?
Your loan funds can be available in your bank account by the next business day, as long as you speak to a Loan Representative to close your loan by 4:30PM Pacific and choose to receive your loan funds by electronic funds transfer. Keep in mind that funds from loans processed on Friday will not be available until Monday at the earliest.
How can I receive my funds?
You can receive your loan funds by an electronic funds transfer (ACH) or in paper check form. All loans are funded in American dollars, in case you were wondering. Electronic funds transfers are typically available by the next business day. Paper checks will take 7 to 10 business days to arrive due to processing and transit.
How can I repay my loan?
You can repay your loan by electronic funds transfers (ACH) or paper check. You must notify us that you would like to pay by paper check in writing at least 3 business days before your payment is due to prevent us from attempting a withdrawal. Otherwise, your payments will be withdrawn automatically on the due dates indicated in the payment schedule included in your loan agreement.
When are my payments due?
Your loan payments are due on your paydays. Your complete payment schedule is included in your loan agreement.
How will the payment appear on my bank statement?
Your payment will appear on your bank statement with 8005909268 PATHL 8005909268 in the description. The numbers on either side of the name "PATHL" is the phone number for our customer service line. Feel free to call one of our experienced customer services representative to discuss your account.
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. We strongly encourage you to pay your loan off as quickly as possible.
What if I decide I want to cancel my loan?
You have until the end of the business day after you receive your loan funds to rescind your loan with no cost to you.
Help! My identity was stolen and I had to close my bank account. What can I do?
Give our Customer Service Department a call. We will work with you to keep your account in good standing.
I just got a new bank account. How do I move my payments?
Give our Customer Service Department a call. We will need to verify that your new account belongs to you and get your new info in writing. As long as you contact us 3 business days before your next due date, we should be able to get your next payment switched over with time to spare.
Can I just borrow the money until my next payday?
Absolutely. Contact our Customer Service Department to request a payment in full. Make the request at least 2 business days before your due date to ensure that we have enough time to adjust your payment amount.
I’m not getting any emails from you like you said I would. What’s the deal?
Our emails are probably being sent to your spam or bulk mail folder. Please check there. Then add us to your address book, so our emails go to your inbox.
Help! I can’t make my next payment. What do I do?
It happens. Give our Customer Service Department a call. We’ll work with you to find the best solution to the problem.
Your phone system said that my call was recorded. Is that true?
Yes, all calls are recorded unless you are providing card information. This is to ensure that our call center agents are following company policies and procedures.
Thanks for the loan, but stop calling/emailing me.
No problem. Call or email our Customer Service Department and we’ll stop.
I am concerned about my privacy. What do you do with my information?