Common Questions

Customer satisfaction is our number one priority. Addressing the questions and concerns of our clients allows us to achieve our goal of providing what we promise; a personable, reliable service. Below are answers to the most common questions we receive. If you have additional questions, please contact us. Check out testimonials from satisfied clients.

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The process is simple and straight forward. Receive free rate quotes with no impact to your FICOŽ Scores. Simply submit the secure form here. Upon submission, we will run your info through our loan matching algorithm and determine what the best products for your profile and needs are. Reliable options with rate quotes will be neatly presented to you; allowing you to easliy compare rates and terms for making a confident selection. If a presented rate quote is selected, we will hand you off to that lender for the purpose of you becoming their client, and them attempting to finalize your loan with them. It's that easy! You are not obligated to accept any of the offers presented to you. Until you execute agreements with an e-signature, you can exit the process at anytime.

Please note that if you are extended and accept rate quotes, it is not a guarantee that your loan will be funded. Each participating lender has varying underwriting processes that they utilize to determine whether or not to ultimately fund your loan. 24/7 Lending Group is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan matching referral service, offering free rate quotes.

Learn more the our service by visiting our 'How It Works' section.

It's quick and hassle free! The entire process from form submission with us, obtaining and accepting rate quotes to having your loan fund is often 48 hours or less. However, in some cases funding will take longer than 48 hours. If a rate quote is offered and accepted, we hand of you to the potential lender, with them being able to advise you what to expect in terms of total time for your request to fund when working with you to finalize your loan.

24/7 Lending Group works with most credit types. We have relationships with several online lenders that accommodate exclusively towards consumers with poor credit. These providers are going to analyze more than just your credit score and have more more flexible requirements than most traditional banks and lenders do. However, it is important to understand that your credit score and history are still going to be taken into account when determining whether or not to extend you rate quotes, and ultimately financing. And while we do help people of all credit types, we can not help everyone and do not guarantee to be able to. One of the advantages of using our service is that checking to see if you qualify for rates is free and does not affect your FICOŽ Scores*.

If you are an individual with poor credit, there are things you can do prior to applying for a personal loan that may help yourself and your credit score/rating so that lenders potentially consider you a more prime borrower. And while these suggestions likely will take time for you to see results, which may not help if you need financing now, they can help you long-term. Click here to learn more about improving credit and obtaining bad credit loans.

It is extremely likely that if you are lacking a credit history that a co-signer with strong credit will be needed to be considered for financing. And unfortunately, our rate quote system does not accept co-signers at this time. Do not apply if you have no credit history at all.

Check out this great article on how to build credit.

Loans are available from $1,000 to as much as $35,000. Terms range from one year to six. Not all lenders can provide up to $35,000. Not all applicants will qualify for $35,000 or maximum borrowing terms of 72 months. If approved for a loan, each lender is required by the Federal Truth in Lending Act law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. Until you add your e-signature to your loan, which makes your loan final, you are under no obligation to continue with the application process and can exit at anytime.

Rates range from as little as 5.99% to no more than 35.99%. Candidates with excellent credit can expect lower rates. You can learn more about the potential APR rates and costs of your loans here. If approved for a loan, each lender is required by the Federal Truth in Lending Act law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. Until you add your e-signature to your loan, which makes your loan final, you are under no obligation to continue with the application process and can exit at anytime.

Lenders may perform a soft pull of your credit during the free rate quote process. Soft credit pulls have no impact to your credit scores or rating. If a presented rate quote is selected, we will hand you off to that lender for the purpose of you becoming their client, and them attempting to finalize your loan with them. During the process of evaluating your request, most Loan Providers will need to perform a hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so. Learn more about the difference between hard credit inquiries and soft credit inquiries.

Please note that if you are extended and accept rate quotes, it is not a guarantee that your loan will be funded. Each participating lender has varying underwriting processes that they utilize to determine whether or not to ultimately fund your loan. 24/7 Lending Group is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan matching referral service, offering free rate quotes.

Yes. Lenders will not even extend rate quotes if you are not currently employed. In the event that you become unemployed after taking out a loan, it is important that you contact your lender immediately to learn what your options are.

No. Our service is absolutely free. We make our money via compensation by the partners we work with.

If we match you with lenders, and you accept one of their rate quote offers, we will hand you off to that lender for the intent of you becoming their client. It is at that point that the lender will work with you to collect any additional information needed to determine, and ultimately let you know if your loan request can be approved and funded.

Your money will be electronically transferred into your bank account.

It is a scam if a lender looks to charge you money up-front or asks you to put money on any type of pre-paid debit card (like a GreenDot or Vanilla Visa) as insurance for a loan in order to achieve your financing. This is called an advance fee loan scam. None of our lending partners will require you to provide them with any amount of money in any way or form prior to receiving your loan. But many other sites on the Internet work with these fraudsters. Don't become a victim. Click here to learn more about advance fee loan scams and how to spot to them.


Here are some more borrowing tips we think are helpful for people of all credit situations:

Maximixing Your Borrowing Power With A Strong Credit Score
If you are in the market for a personal loan, to ensure you obtain the most optimal and affordable loan product for your needs you'll not only need to shop around prior to submitting your request, you'll need to make sure your credit score is accurate with up-to-date information and free of errors. There are also steps you can take with your finances that will help you bring any credit score to a higher level.

What Are The Advantages Of Online Personal Loans
With the advancement of technology enabling safer transactions online together with high-speed Internet connections, many consumers are performing personal loan research from the comforts of their home. As result, applying for loans online is becoming an increasingly popular means for achieving financing.

Loan Aspects To Avoid
Shopping for a personal loan online is not easy. But, it will help if you are aware as to what you want out of your loan, how to get the best rates and what the tricks companies use for making more money off you. If you have applied for personal loans in the past, then you are probably knowledgeable as to what to look for and what to avoid related to your loan.

Check out the rest of our borrowing tips!

Click to get started and receive free, no obligation rate quotes with no impact to your FICO® Scores*.