Frequently Asked Questions (FAQs)

At Express Loans Of America, we would like to go over some of our most frequently asked questions (FAQS). It is important to understand all terms and conditions of the loan services provided to you, before you commit to anything. We recommend researching your interested option to ensure this is the correct loan for you and your financial situation. If you have a question that is not addressed below, please contact our office. The staff is always available to assist you with any concerns you may have.

Know The FAQS

ALL of our services are 100% free of cost. Therefore, you don’t need to pay any application or processing fees with us. All you have to do is apply to begin your loan process.

You can be approved for as much as $5000. These short term loans are good for purchasing any items you are in need of.

Our eligibility conditions are quite easy to meet. You just have to be at least 18 years old and hold an active checking account. That is because most of our loans are direct deposited unless you choose not to. If you are trying to get a payday loan or cash advance, there is another requirement that involves employment. You must be employed with a company for 6 months or longer. That’s it.

We accept all applications, regardless of your credit history. In fact, all of our services are available for everyone. Even if you have a poor credit history, overdue payments, collection accounts, etc. Since we do not check your credit history, every person is approved. We do not ask questions regarding your past either.

The answer is no! You do not need to create an account with us to use our services. We will save your information in case you wish to continue using our services in the future. That is only so you will not have to fill out paperwork every time you use our loan services.

This answer varies by each state law. However, with Express Loans Of America, you can apply as many times as you please. The only regulation is that you cannot have more than one loan open at a time. Once you have repaid all the funds from your current loan, you can then apply for another loan.

You can see this information on the Home page of our website. Our store hours are Monday thru Saturday from 8am to 7pm. These store hours can change due to holiday hours or issues.

You can either make payments to your loan online or call us. Many people find it easier to repay the funds online. Seeing as how you will already have your account information. All you have to do is make a payment.

First, you must decide on what loan best suites your needs, financially. Then you must begin the application process. You can go for convenience with our online application or in store. Provide us with the required information and then your application will be submitted. If you have applied online, you will receive your funds by direct deposit or mailed to you on a prepaid card. The option is yours to choose from.

Once you have received your approved funds, you will be given an expected due date. This date is when a payment is due or pay off your total balance. Depending upon what type of loan you applied for, your due date may be shorter or longer than others. Monthly payment plans are available for all loan products. Please consult with a staff member for more details.

If you know that you will be late paying your loan, call us immediately. We can help you with an extended payment plan. This will help you extend your expected due date by another 30days or whatever is agreed. We can only help you BEFORE your due date.

This answer depends upon your state regulations. At Express Loans Of America, you must completely satisfy your loan before applying for a new one. Even though it may seem like you are rolling it over, we are not allowed to provide you more cash unless you apply for it. However, we are happy to tell you that there are no restrictions on how many times you can apply.

Absolutely! You do not have to wait until your expected due date to repay the funds. As soon as you have a payment, apply it to your balance. You are even able to pay off your loan before the due date without any penalties.

Unfortunately yes. If you apply online, you must keep in mind of the holidays. Bank holidays are closed. This will delay your loan deposit if you applied for a loan next to a bank holiday. Here is a list of holidays when the bank will be closed:
New Years Day
Martin Luther King Jr Day
President‘s Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day