Frequently Asked Questions

Find Me A Loan Today is an online loans service created to help you get access to simply borrow money by finding you a suitable lender. If you'd like to know more about how our service works, or more information about how we can help, have a read through our frequently asked questions.

How Do Short Term Loans Work?
When you're hit with an unexpected expense, a short term loan provides you with a quick solution to minor cash flow problems. Unlike a traditional bank loan, which is usually repaid over several years, a short-term loan is designed to be paid back either completely on your next payday or spread over several weeks or months.
What Types Of Loan Can I Request?
Find Me A Loan Today works with a number of lenders, each offering different types of short term loan. These include payday loans, instalment loans, and bad credit loans. These loans are all types of unsecured loans, which means you don't need collateral to make a loan enquiry.
What is a Payday Loan?
A payday loan is a short term credit solution that allows you to borrow a small amount of money over a brief period of time. Payday loans are intended to cover emergency costs, and then repaid when you next get your paycheck. Although these loans often have relatively high interest rates, as you're only borrowing the money for a few days or weeks, you should not repay too much interest overall.

Payday lenders are not authorized in every state, so you may need to check whether you can request a payday loan in your state.
What is an Installment Loan?
An installment loan, like a payday loan, is a type of short term credit. Instead of repaying the funds in one payment though, with an installment loan you would spread the cost over several months or years. This allows customers to borrow a larger amount of money.

Installment loans tend to be flexible, so you can decide exactly how much you want to borrow, when you can make repayments, and the duration of the loan. All this information will be confirmed upfront, to ensure that you understand the terms and conditions of the loan.
What is a Bad Credit Loan?
If you have a poor credit history, you may be looking for a bad credit loan. Bad credit loan lenders are generally more likely to approve loan requests for people with low credit scores, as they consider other factors when making a loan decision, such as the person's employment history and income and expenditure.

It's important to remember that bad credit loans often have higher interest rates than other forms of credit, and are not intended as a long term solution.
What Is APR?
APR stands for Annual Percentage Rate. Most interest rates are shown in APR, so that you know how much you'll be paying over the course of a year. It takes into account any fees that may apply, as well as your repayment amounts.
How Do Find Me A Loan Today Get Paid?
Find Me A Loan Today is a broker and does not lend money directly. We find appropriate lenders through our affiliate lending network, who will then make loan decisions. We do not charge our customers a brokerage fee but instead charge our lending partners commission.
How Do I Stop Receiving Emails From Find Me A Loan Today?
If you are currently receiving emails from Find Me A Loan Today is it because you selected to opt-in when requesting a short-term loan with us. If you wish to stop receiving news of our latest offers and deals, you can unsubscribe using the link at the bottom of each email. If you have received an email that you're not completely happy with or are continuing to receive emails after unsubscribing, please get in touch.

Loan Requests

Am I Eligible For a Loan?
While eligibility criteria can differ slightly from lender to lender, as long as you're aged 18 or above, have a regular income, and are a US resident with a US bank account, you should be eligible for a short term loan.

Find Me A Loan Today will only match you with a lender with which you meet all the general lending requirements.
How Much Can I Borrow?
With our panel of lenders, you can request to borrow between $500 and $5,000, and repay over 12 months. You can use the slider on our website to choose your loan amount.
How Do I Request a Loan?
Simply fill in our quick online loan request form and we'll put you in touch with one of our expert lenders. If we've found you a suitable lender, you need to complete their specific loan request form and wait for approval. Once your loan enquiry has been approved, the lender could transfer the funds to you the next business day.
I Don't Have an ATM Card - Can I Still Request a Loan?
Of course! It's not always necessary to have an ATM card attached to your bank account - please contact us for more details.
I Have Bad Credit - Can I Still Request a Loan?
We can't guarantee that you'll be eligible for a loan if you've got bad credit, but we do understand that nobody's credit history is perfect. That is why we work with a range of different loan providers who have different lending criteria. Some lenders may consider loan requests from those with less than perfect credit history.
How Long Does it Take For the Funds to Enter My Account?
If approved, our lender will aim to transfer the money to you as soon as the next business day. Please note though, while some of Find Me A Loan Today customers receive money the next working day, individual banks may require funds to be held for up to 3 days while the funds clear. For questions about clearing holds, contact your bank.
Do I Need To Provide Documents When I Make a Loan Request?
When you submit a loan request with Find Me A Loan Today, we won't ask you to provide supporting documentation. However, it's important to keep in mind that some direct lenders will ask for things like proof of employment, so it's good to have this information to hand when you're redirected to a lender's website.

Loan Repayments

Who Do I Work With If I'm Approved For a Loan?
If you're approved for a loan with one of our lenders, you will receive your funds from them directly, and make repayments to that lender. Find Me A Loan Today simply work to put you in touch with the most suitable lender.
How Can I Repay My Loan?
Each lender has their own repayment criteria, but with most lenders, you have the option to pay back your loan in weekly, fortnightly, four-weekly or monthly installments.
What If I Can't Repay My Loan?
We do not recommend borrowing money if you don't think you can pay it back within the loan term. However, most lenders will understand that people's circumstances can change. If this is the case then you must let your lender know as soon as possible.

Your Credit Report

Will My Credit Score Be Affected When I Request a Loan?

No, your credit score won't be impacted. Find Me A Loan Today only perform soft credit checks when you submit a loan request, which won't be seen by any third parties, and won't affect your FICO® credit score.

It should be noted though, that if you’re redirected to a lender, they may undertake hard credit checks, which can impact your credit rating.

How Can I Check My Credit Score?
There are a few ways you can get your credit score, from using a free service to buying your score directly from the credit reporting companies. It's worth noting that many major credit card companies and some loan lenders have also started providing monthly credit scores for their customers - you can check your monthly statement to see if this is included, or log into your online account.

More information on checking your credit score can be found on the Consumer Financial Protection Bureau's website.
What Information Is On My Credit Report?
Your credit report not only shows your credit history, such as any loans or credit cards you have taken out, it also includes other financial information, like your bill and utility payments. Personal details such as your name, date of birth, and home address are listed too. All your financial information on your credit report is used to determine your credit score.

For more information on your credit report, you can visit this United States government website. You can also check your credit report for free throughout April, from each of the main three credit bureaus via the Annual Credit Report website.
My Credit Report Has Outdated Information - Can Find Me A Loan Today Change It?
If there are any mistakes on your credit report, you will need to contact the credit bureaus directly, and request to have this information updated. You may need to provide proof that the details are no longer accurate, so try to locate this documentation before contacting them. The three main credit bureaus in the US are Equifax, Experian, and TransUnion.
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