Browse through the answers to our most frequently asked questions.
You must be at least 18 years old (19 if residing in AL) and:
- Reside in a state in which Quick Credit does business
- 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 our evaluation of your information. In some cases, we will ask for additional bank account eligibility information.
When you complete and submit an application for a Quick Credit loan, we access the credit report of 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, we look at a variety of factors 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 we are unable to verify any of your application information, 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 we are unable to verify any of your application information, 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 installment loans, 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, is a member of the FDIC. Quick Credit does not lend or arrange loans 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 Quick Credit does not charge NSF or late fees. We 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.
Quick Credit does not charge additional fees such as prepayment penalties, late fees, or non-sufficient funds (NSF) fees.
Quick Credit 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. Quick Credit has taken a number of measures 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.