Yes. In today's economic situation, who's credit doesn't have a few bumps and bruises? Having banged up credit will not necessarily prevent you from qualifying for a Help Now Loans loan. Even if you have been turned down by other lenders in the past, we may be able to provide you with a convenient credit option that fits your needs.

You will receive an email notification once your application has been approved. Help Now Loans reserves the right to make adjustments to your approval until the time you receive the funds in your bank account based on new information regarding your application.

Loan funds will be available the next business day. Loans completed on Fridays are generally available the following Monday. Bank holidays may extend the time it takes to receive funds by one additional business day.

* The exact time of funding depends on when your bank will post ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you should contact your bank's ACH department. They should be able to tell you when the funds will become available. Loan funds will generally be available within 1-2 business days after your application is approved and you sign your Loan Agreement unless Instant Funding is selected.

To update your bank information, you should contact our Customer Service Team at . Please make all information changes at least two business days before your due date.

For your protection, please do not email debit card or bank information to our Collections Department. Please call us at if you would like to set up a payment via debit card or any other method.

No, we prefer to use services like Decision Logic to verify banking information or we can conduct a 3-way call with your bank.

You must contact us immediately to set up payment arrangements at . If your debit is returned unpaid from the bank for any reason, we will contact you to set up manageable payments. Help Now Loans views all of its customers as partners. We want to assist you in repaying your loan and maintaining a positive experience with us! Payments that are returned and/or more than three (3) days past due will incur a $25 NSF charge and/or $25 late fee.

After making a payment in full, you may apply for a new loan at any time. However, we cannot issue a new loan until payment from your previous loan clears our bank, which usually takes three business days. Please call our customer service team at and we will setup a three way call with your bank to confirm your payment cleared. Once requested, your new funds will deposit to your bank account the business day after payment clears.

ACH stands for Automated Clearinghouse and refers to a nationwide system used to electronically transfer money. When we present an ACH debit request to your bank, it will send the specified amount through the ACH system to our account.

Help Now Loans uses email to keep you informed of your approval, repayment reminders and confirmation, promotions and more. This makes it very important that you receive all email communication from Help Now Loans concerning your account.

To ensure you receive important emails from Help Now Loans, please take a moment to add our email address to your address book or to your SPAM "good list" or "safelist." This helps your email provider recognize Help Now Loans as a trusted email source. Instructions for most popular email providers are listed below. If you are still not receiving emails from Help Now Loans, please contact our Customer Service Team.

Your first Help Now Loans loan is based upon the information you provide in your original application and what we learn from risk assessment companies. After you have successfully repaid your first Help Now Loans, you may be eligible for a second or subsequent loan in an amount of up to $1,500.

Contact our Customer Service Team if you want to repay your loan early: or . If you repay early you will NOT incur any penalties.

If you cannot make your loan payment, you must contact us immediately at to set up payment arrangements. We will always attempt to work with you to settle your loan obligation.

Should you wish to revoke your ACH Authorization, please contact us first by phone at or email us at . We can then review other acceptable methods of repayment such as another bank account, cashier's checks, money order, or debit card.

No, we handle all accounts in house.