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Frequently Asked Questions

How do I know that I’ve been approved?

Once you’ve submitted your application, we’ll match your information with our ClickNLoan lender network to try to find you the best available loan. Our loan matching service will try to find the loan with the best interest rates, lowest finance charges and longest repayment period.

If you’ve been approved, you’ll be directed to your lender’s website automatically. If we can’t find a lender that meets your needs, we’ll direct you to additional credit products that can help improve your financial situation, even if we can’t get you the original personal loan you requested.

In either situation, you’ll be directed toward a trusted partner that will help you with whatever your financial circumstances.


Why can’t you quote exact rates and terms of my loan?

ClickNLoan is a loan-finding service. We work with today’s most trusted lenders to provide you the best access to the personal loan market. Because we work with many lenders and not just one, we can’t provide exact rates and terms of your loan. Each lender offers different policies, rates and terms when they lend, and the actual terms of your loan will depend on your personal information, including employment, income and credit background.

To get an idea of general rates and fees for personal loans, visit our Rates and Fees page.

If you’ve already taken out a loan and still have questions about your loan’s terms and conditions, please contact your lender directly.


Why do I need to submit my personal information?

Your personal information is needed to match your needs with our lender network. We use your information to determine your ability to qualify for loan. Our lenders review your credit history with a soft credit pull, and also take into consideration your income and employment information.

Your personal information is completely safe and secure: we use industry-leading online technology to keep your information encrypted and only available to our trusted lending partners. Your privacy and online safety is of the utmost importance.


How quickly will I receive my loan?

If you’ve been approved for a personal loan, you’ll meet with your lender to finalize the loan agreement. As soon as that’s complete, you can receive your check on the same day. If you haven’t been approved for a personal loan, but we’re able to match you to a short-term credit line, you can receive that in as little as one business day.


Can I get approved with bad credit?

Yes. Even with bad credit or no credit, you can get approved for a personal loan. Our lenders take your credit into consideration, but if you’ve had past credit issues, you can still get qualify for a loan. The lenders we work with accommodate all types of customers, including those with good credit, rebuilding credit or bad credit.

Even if you have bankruptcies, liens and other negative credit problems, you  can still get approved for a loan on the spot.


How much can I borrow with a personal loan?

We work with trusted lenders who can provide personal loans of up to $10,000. Typically, our loans range from $1,000 to $10,000, and the actual amount you’re eligible for will depend on your income and employment information, credit background and the lender that approves your application.

If you’re not approved for a traditional personal loan, we can also match you with short-term credit products up to $1,000, which are best used for emergencies.


Are you a direct lender?

ClickNLoan offers a loan matching service to our customers free of charge. When you’re looking for a personal loan through direct lenders, you’ll be required to submit a new application for each lender. Having this many credit inquiries can affect your credit score, and even then, you’re not guaranteed to be approved.

With ClickNLoan, you’ll get access to hundreds of lenders with just one application. With just one simple credit pull you’ll be able to qualify for up to $10,000 on the spot. Our lenders work with customers of all credit types, so we can find a direct lender willing to meet your needs immediately.


Are personal loans available in my state?

We work with lenders who provide personal loans to consumers in all states. If you aren’t approved for a personal loan, however, and instead receive an offer for a short-term credit loan, there are state restrictions in place. Please see your state’s laws on short-term lending to see what limitations, if any, exist in your state.


Why wasn’t I approved for a loan?

Although we have excellent approval rates, there are times that our lenders cannot meet the needs of our customers. Typically, applications are rejected because lenders only work with certain states or income levels.

In other cases, significant credit problems can keep you from getting a loan; however, we have numerous lenders that work with those with bad credit or no credit, so even with credit issues you can still get approved for a person loan with ClickNLoan.


Can I get more than one loan?

At ClickNLoan, we support responsible borrowing and lending practices. Part of this means that we recommend our customers only borrow what’s needed, and although it’s possible to take out more than one personal loan, we suggest that you successfully manage and repay one loan before taking out an additional one.

If you have long-term financial struggles that require more than a personal loan, we recommend seeking professional credit counseling that may be able to lower your debt, improve your credit and better help you manage your finances.


Are loan extensions available for my current loan?

If you currently have a personal loan out with one of our lenders, you can discuss loan extensions and other repayment options directly with your lender.

If you weren’t approved for a personal loan but instead received a short-term credit loan, your lender will be able to discuss extensions and the fees and interest rates associated with your loan.


Will my credit affect my chances of getting a loan?

Although our lenders do check your credit, there are other factors that come into play during the loan approval process. If your credit is good or above average, you’ll have a much better chance of getting approved.

But even with bad credit or no credit, you can still get approved for a personal loan. Our lenders look at your current financial situation, including employment and income status, so past credit issues won’t stop you from getting approved.


How much can I borrow with a personal loan?

We work with trusted lenders who can provide personal loans of up to $10,000. Typically, our loans range from $1,000 to $10,000, and the actual amount you’re eligible for will depend on your income and employment information, credit background and the lender that approves your application.

If you’re not approved for a traditional personal loan, we can also match you with short-term credit products up to $1,000, which are best used for emergencies.


When is the best time to apply at ClickNLoan?

The best time to apply at ClickNLoan is any time! If you decide you need to get an unsecured loan, apply through ClickNLoan and discover your cash options in a click. Once you’ve applied, your application will be processed and if one of our lending partners can meet your needs, you’ll be pre-approved on the spot.

After being approved, your lender will call to schedule an appointment that will finalize the loan. Simply visit your lender, sign your loan docs and you’ll receive your loan that same day.


Can I choose to repay my loan in installments or in one lump sum?

Since the ClickNLoan lending partners offer larger sum unsecured loans, you can take more time to repay your loan. Most people who enter into this type of loan agreement expect to make payments every month over a longer term. Ask your lender about details specific to your unsecured loan agreement.


What are the costs for borrowing an unsecured loan?

Unlike secured loans, unsecured loans require no collateral, but you will have to pay slightly higher interest rates depending on your credit. Due to laws and regulations, the cost of borrowing an unsecured loan varies depending on your lender and the state in which you live. Once matched with a lender, your loan agreement will outline any interest rates or fees associated with your loan.


How will I know if I am pre-approved for my unsecured loan?

After you submit your loan application, you can be pre-approved through one of our lenders within just minutes. If you’re pre-approved for a personal loan, your lender will contact you to set up an appointment in person. When you meet with your lender, you’ll be given documents to finalize the loan process, and you’ll receive your loan the very same day.


If I have bad credit, can I still qualify for a loan?

Some of our lending partners will provide personal loans to applicants with less than perfect credit. The terms of your loan will depend on your credit history and will affect the interest rate and amount you qualify for.

If you have poor credit, you can improve your credit standing by making all loan payments on time, and paying off your entire loan balance, including interest, by the end of your loan’s term.


What is an unsecured loan?

Unsecured loans are a type of personal loan that uses no property or asset as collateral for the funds. These personal loans differ from other smaller unsecured loans because consumers can apply for up to $5,000 and offer lower interest rates than other high-risk small loans.


I’m searching for a payday loan. Can you help me?

Yes! Although we focus on traditional personal loans at Click-n-Loan, we also help consumers find temporary borrowing options through Money Today. Offering the same great loan-matching service, Money Today can help you find the best available payday advance in no time at all. Applying takes minutes and you can be pre-approved for a payday loan in as little as 90 seconds.

Our short-term lending partners offer loans by the next business day, so if a financial emergency is forcing you to temporarily borrow money, visit Money Today.

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