Thank you for your message.

The verification process can take up to 24 hours, but usually it’s just a few hours or less. Once verification is complete, we will move to Step 2, which is accepting and signing the Agreement. The time frame will be in your hands at that point and can happen as fast as 1-2 business days. Once that is completed, personal loans can usually be funded within a day or two, sometimes the same day. Lines of credit may take longer. Funds issued by the lenders are usually issued directly into your bank account or by check and the first payment is usually due 30 days after funds are received. You would provide bank account information directly to the lenders, not to us. Monthly payments would be sent directly to the lenders and they will report your monthly payments to the credit bureaus. Direct debit from your account can also be set up. There are no pre-payment penalties on personal loans.

The approval amount is guaranteed subject to the agreement. The $9.95 is not paid to us. It is paid to a third-party verification service. No credit check is made.

A sample agreement is outlined in our Terms and Conditions:

After verification is completed, you will receive a verification number that you will need to provide to us. You will then be provided with the Agreement to finalize your request.

If you have already done this, please ignore this message.

Sincerely, Jeff Hoffmann, ConsumerEZcredit