FAQ

Auto Loan

Who is Getusloans.com, and why should I trust you with my business?

Getusloans.com offers our customers alternative options when pursuing an auto loan. We provide matching services that specialize in developing solid relationships with qualified auto lenders nationwide. Because we are not a car lender, we are able to offer choice auto loans where you decide the loan amount, interest rate, and monthly payment. Additionally, we do not charge an application fee so it is free to qualify.

How do I know I am getting the lowest rates?

We work with the nation's top auto lenders and put them together to create a virtual marketplace for our customers to choose the lowest priced loan. Each lender must logically present the lowest possible rate they can manage. By putting each lender in direct competition with each other, you are fully able to see the maximum savings available.

Does my credit rating impact the quote I will receive?

We use the information you provide us to match you with lenders that specialize in providing loans for people of similar credit types. Even if you don’t have the strongest credit history, you will still be able to take advantage of outstanding rates and monthly savings. Getting a quote online is quick and easy, and you are under no obligation to accept any of the offers presented to you.

Is your service safe to use?

Getusloans.com uses the latest 128-bit SSL encryption technology to send and receive your quotes, thus protecting your valuable information from unwanted third-party sources. Your information will not be sold or used for any purpose other than providing you with relevant offers so you can rest assured your information is secure.

Do you limit loans based on the type of car I am looking to buy?

No. We do not make loan decisions based on your credit history and the value of the car you buy. We will never exclude your quote request based on auto type, so feel free to mix and match several different auto loans until you find the right one for your needs.

How much does it cost to use your service?

Our matching service is absolutely free for you to use as many times as you need.

I've just received my quotes—how long do I have to accept them?

The expiration of a loan offer varies; the industry standard is usually around 30 days. You may receive your free auto loan quotes here and store them for future use, though if you choose to go with a loan quote that has expired the lender may contact you to provide a revised quotation.

I don't have any credit history; will this service still be able to help me?

Having very little or no credit history will not prevent you from receiving an auto loan. However, due to the lack of information to base your credit habits, you may receive an interest rate that is a higher than someone who has established credit.

I'm ready to see how much I can save. How do I get a free auto loan quote?

To get started, visit our secure auto loan quotation page and answer a few quick questions about yourself: the kind of car you are looking to buy, what sort of loan qualities you value the most, etc. You will then be presented with a series of offers to choose from, and your chosen lender will assist you from this point on.

Debt Settlement

What is debt settlement?

It is the process of negotiating with your creditors where a dollar amount is settled upon that is lower than the actual amount owed.

How does the debt settlement process work?

Our counselor will work with you and your creditors so you can pay the minimum amount of money back to your creditor. Creditors know that if you end up filling bankruptcy they risk getting nothing.

How can I apply for a debt settlement program online?

Once you complete our online application, a debt consultant will review your information and call you to determine if you are qualified for our program.

If I miss a monthly payment to Getusloans.com, will I be dropped from your program?

No. Simply call our customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule.

Will my creditors continue calling me?

We notify your creditors of our representation and inform them they should contact us with respect to settling your debt. Most creditor calls will stop within 30 days. If you continue to get calls, call our customer service department and we will again contact the creditor informing them of our representation. In all cases, you should keep a log of all calls you get from creditors with respect to the debt you put into our program.

Will this program have a negative effect on my credit?

The debt settlement program may have a negative effect on your credit profile if your credit is in good standing. If your credit has already been compromised, the effect will not be as great. In either case, once negotiated and settled, your creditors will report the accounts as "settled" or "paid in full".

How much does this program cost?

Our debt settlement program costs are based on an individual basis and are determined by a getusloans.com counselor and you. Your monthly payment will be determined by what you can comfortably afford, and is based upon your level of debt, income, and living expenses.

Payday Loan

What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At Getusloans.com, apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.

How much can I receive?

Your first Getusloans.com loan is based upon the information you provide in your application. You may borrow up to $1500 and after successful repayment of your loan, we may raise the amount on any future Getusloans.com loans.

How are fees established?

Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender, fees can range from $25 to $30 per $100 borrowed. For example, if you borrow $300 the fee will be between $75 and $90.

How do I qualify for a payday loan?

Getusloans.com does not perform credit checks, which makes qualifying for a payday advance easier than for traditional credit. You should meet all of the following requirements:

• Currently employed (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have a checking or savings account with direct deposit.

What is the procedure to apply for a payday loan online?
To apply for a payday loan, complete the application found on our website. At that point, the approval process will immediately get under way and an agent will notify you of your status.

What information do I need to complete the application?
We need your name, address, employment information, banking details, and picture identification in order to complete your payday loan request.

Is my personal and financial information secure?
We respect our customer's right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 Secure Socket Later (SSL) encryption technology.

Is there an application fee?

Faxlesscash.com never charges applicants a fee to qualify for a payday loan.

Does submitting an application obligate me to take out a loan?
No; submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?

As we do not perform credit checks, bad credit will not prevent you from receiving a payday loan at Getusloans.com. Our friendly managers will work with you, even if you have been turned down by other lenders.

Does being a tenant influence my eligibility?

Whether you rent or own your home, it does not affect your eligibility for a payday loan.

Do I need to fax my information?

There is no need to fax any personal details. The lending company will instantly get all necessary information online.

Can I have more than one payday loan at a time?

No, all other loans must be repaid for another may be granted.

Do you contact current or former employers?

No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?

Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.

When I will receive my payday loan?

Your application will be processed within 30 minutes upon being received. Once approved, you may collect your loan the next business day. At that time, we will help schedule a payment date so you will not have to worry about bouncing a check or missing a deadline.

How will I know that my loan has been approved?

You will receive an email notification once your loan has been approved. Getusloans.com reserves the right to make adjustments to your loan approval up until your receive the funds in your bank account based on new information received regarding your application.

When will my loan be due?

Each state has different rule and regulations regarding loan due dates. Typically, repayment is scheduled on your next payday (between 8 and 25 days away).

What if I want to pay back my loan early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension.

The following payment options are available:

1. Pay the loan in full on the maturity date listed per your loan agreement.
2. Pay the finance fee and a portion of the principle on or before the maturity date.
3. Pay only the finance fee on the maturity date.

How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. We encourage all of our clients to use these loans responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.

The operator of this website is not a bank or lender of any kind. All information you provide us is used in securing you a payday loan from one of the many banks/lenders we represent. The personal, financial and employment information that we collect is stored electronically during the duration of the application. All financial and employment data is immediately removed from our system upon acceptance of your application from the bank/lender that approves your application. Acceptance of your application does not mean approval. We will work diligently to secure you a payday loan. There is no charge to you for this service. You will occasionally receive offers from us or a designee that relates to financial services such as credit card offers, payday loan offers, etc. You have the right to stop these offers by unsubscribing here (Unsubscribe). We want your experience to be positive. It is in that spirit that we offer this information so that you are aware that we are not a bank /lender and your data is secure, because your data is electronically transferred to the lender who has accepted your application for a payday loan. Use of this site constitutes agreement with these policies. Please be advised that the owner of the site may revise these policies or others, so it's always important to read all information thoroughly. The owners of this site and our lenders comply with all state and federal regulations to short-term loans. This offer may not be available in all states.