Browse through the answers to our most frequently asked questions.
You must be at least 18 years old and:
- Reside in a state where the Quick Credit loan is available.
- Have a job or proven source of income
- Have a valid email address
- Have an active and acceptable checking account
All submitted applications are subject to verification of application information and acceptable prior credit or loan history. Your online application will be either approved or declined based on the evaluation of your information. In some case, you will be asked to provide additional bank account eligibility information.
When you complete and submit an application for a Quick Credit loan, a credit report will be pulled for most applicants. Multiple credit inquiries in a short period of time may have an impact on your overall credit score.
Not necessarily – in addition to credit score, a variety of factors are looked at when considering your application.
After you get started you will be taken through a quick 4 step application of creating an account with Quick Credit, providing personal and financial information and finally agreeing to the application disclosures before you submit.
Most applications receive a decision in a matter of seconds once they submit an online application.
If your application information is unable to be verified, you may be required to complete a quick and secure bank eligibility verification. Once complete, you will be notified of your results and in most cases this can be completed in a few minutes.
Most applications receive a decision in a matter of seconds once they submit an online application. You will also receive an email notification.
If your application information is unable to be verified, you may be required to complete a quick and secure bank eligibility verification. Once complete, you will be notified of your results and in most cases this can be completed in a few minutes.
First-time applicants can qualify for a loan between $1,000 and $3,000. See Pricing page for additional information.
For a Quick Credit loan, if your application is approved, verified, and your loan agreement signed prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) your loan will be funded that same day. You will have to check with your bank to see exactly when the funds will appear in your account, but it should be there by 5pm your local time. If you sign and submit your loan agreement after 10:30 a.m., your loan will be funded on the next business banking day. Alternatively, you can request that we send you a paper check by mail, which will take approximately 7 – 10 business days to receive.
Quick Credit loans are offered by CC Connect, a division of Capital Community bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Additionally, CC Connect maintains the critical control of the CC Connect loan origination, underwriting approvals, regulatory, and compliance oversight management. Quick Credit loans are NOT available in all states. Please see Pricing for the serviced states and applicable terms.
Your total cost of credit depends upon the amount you borrow, and prior credit or loan history. For example , the Annual Percentage Rate (APR) for an Installment loan of $2,000 is 225% with 48 bi-weekly payments of $175.91. See Pricing page for more details specific to pricing and if a Quick Credit loan is available in your state.
Quick Credit loans are an expensive form of credit and are not suitable for everyone. You must carefully consider your own unique financial situation and make an informed decision about whether or not a Quick Credit loan is the right option for you.
You are responsible for making your payments on time. To make on time payments easier, you can schedule automatic electronic payments from your checking account or you may provide payment in the form of check or money order. If you make a payment late, fail to make a payment, or a payment is returned unpaid, you will accrue additional finance charges but a Quick Credit loan does not have NSF or late fees. CC Connect may resubmit the payment to your bank if a payment is returned. If you are unable to make your scheduled payment, please contact a Quick Credit Support Guide to see if we are able to help.
There are no additional fees such as prepayment penalties, late fees, or non-sufficient funds (NSF) fees charged to your Quick Credit loan.
CC Connect provides you with the choice of making payments on your credit over time or paying off at any time without a prepayment penalty. For example, the Annual Percentage Rate (APR) for an Installment loan of $2,000 is 225% with 48 bi-weekly payments of $175.91. See Pricing page for more details specific to pricing available in your state.
Keeping your financial and personal information safe is one of our highest priorities. A number of measures have been taken to keep our process completely confidential and secure. Please review the details on our Security page. Also, please review our Privacy Disclosures for details on how we handle your personal information. If you have additional unanswered questions, please Contact Us.