What states does Total Loan Company service?
Total Loan Company is licensed to lend in:
- South Carolina
Borrowers with less-than-perfect credit looking for fast cash may want to consider a Total Loan Company installment loan. It offers transparent rates, terms and fees so you know exactly what you’re getting into. But it’s only available to residents of five states, and you need a relatively high monthly income to qualify.
1 business day
|Product Name||Total Loan Company installment loans|
|Loan Term||6 months to 3 years|
|Turnaround Time||1 business day|
|Requirements||Checking account, $1,500+ monthly income, recent pay stub, live in eligible state, 18+ years old|
Total Loan Company is a short-term lender that offers installment loans between $750 and $3,000. Loan terms last anywhere from six to 36 months, though your maximum APR varies depending on where you live. Residents of Illinois have APRs capped at 99%, while borrowers in all other states may see APRs as high as 199%.
The application should only takes a few minutes to fill out, and you may be able to get your loan funds as soon as the next business day.
Total Loan Company is licensed to lend in:
From fast funding to transparent terms, here are a few perks of taking out a Total Loan Company installment loan:
Total Loan Company may offer transparent terms, but there are still some drawbacks to consider before you borrow:
As of July 2019, Total Loan Company has overwhelmingly positive reviews from former customers. It’s accredited by the Better Business Bureau (BBB) and receives an A+ rating — largely because it has no complaints filed against it. It also earns a solid five-star rating from previous borrowers. Many were happy with the quick process and polite customer service team.
To qualify for a Total Loan Company installment loan, you need to meet the following requirements:
To apply for an online installment loan from Total Loan Company, follow these steps:
It may take up to three minutes for Total Loan Company to fully review your application. If you’re approved, follow the steps to finalize your contract. If you aren’t approved, Total Loan Company may suggest a partner lender that you might qualify with instead.
When you’re ready to apply, make sure you have the following information on hand:
Now that you have your funds, it’s time to start budgeting for repayments. You can make a payment with a debit card or bank account transfer by visiting Total Loan Company’s website and clicking Make a Payment. If you miss your due date, you may have to pay a late fee based on your state’s regulations. Typically, this is either a percentage of the installment due or a flat fee. You can check your loan agreement to see what yours may be.
If you’re struggling to repay your loan, reach out to Total Loan Company as soon as possible. Depending on where you live, you may be able to renew it — just keep in mind this likely comes with added interest and fees.
Although Total Loan Company is only available in five states, it offers borrowers transparent rates and terms so you know what to expect before applying. But you’ll need to have a bank account and relatively high monthly income to be eligible.
Not sure it’s the right fit for you? Compare your other short-term loan options to find other lenders you might qualify with.
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