Frequently Asked Questions

How will I receive the funds?

Once your application is approved, funds will be deposited into your bank account within a business day.

Is it possible to get a loan with a bad credit history?

Unfortunately, there are no accurate statistics on this issue. But we guarantee that every lender will definitely consider your application and give an answer within a business day, regardless of your credit history.

How long does the application process take?

Filling out the online form will not take you much time and will take about 5 minutes. Confirmation from the bank usually comes within half an hour, but no more than one business day.

Do I need a printer or fax machine?

Of course you will need a printer or fax machine. You need a printer to print out the loan agreement and a fax machine to send the documents to the lender.

How much does a short-term loan cost?

The services of top-finane.com are free. The cost of lenders' terms varies and depends on a number of factors. Before entering into an agreement, read the terms and conditions and choose the best option for you.

Can I get a new loan if I have an outstanding loan?

Yes, you can get a second loan, but as long as it is not prohibited by your state and the financial burden on your budget does not exceed the allowable limits. Your credit rating is also an important factor.

When and how do I repay the loan?

The payment date is set by the bank. To repay the loan, you need to credit the money to a special account or you can activate the automatic repayment feature.

What happens if I miss a payment?

Familiarize yourself with the terms of the loan, each lender has its own penalties and fines. We do not recommend that you miss a payment as it affects your credit rating.

How is my personal information protected?

We utilize advanced technology that is constantly updated and improved. All personal user data is encrypted and stored on internal servers with limited access.

When can I get a new loan?

You can get a new loan at any time, as long as state law allows it. Let your new lender know if you have an outstanding loan.

Can I get a deferment and how many times?

You may be able to get customized terms of cooperation, you will need to call your lender for a consultation.

What happens if I can't repay my loan?

Delinquency on the loan will negatively affect your credit rating, which will further affect the possibility of granting you further loans. If you realize that you will not be able to make your monthly payment, contact your lender and find possible solutions.