FAQ

Xpress Loans USA offers quick cash installment loans. Xpress Loans USA installment loan could give you the cash you need to help you keep up with bills, pay your rent, make a card payment, etc. Our installment loans carry a longer term than a typical payday loan, but are not as long term as some installment loans (such as mortgages).

Both loans can provide quick cash in an emergency. The main differences between the two loans are the repayment term and the fee structure. With a traditional payday loan, your loan principal and fees are due on your next pay day. An installment loan typically accrues daily interest, and is paid back over a longer, set period of time.

The amount you can borrow with an installment loan depends on several factors, including your monthly income, credit score, and the maximum loan amount available in your state. To see the maximum amount available in your state, view your state's loan page.

You cannot have multiple installment loans open simultaneously with Xpress Loans USA. However, you may be able eligible to get another loan such as title loan or a top-up to your existing instalment loan.

Xpress Loans USA makes the installment loan process easy by phone, online or in store.

If you've been thinking, “I need a loan fast”, Xpress Loans USA is the place to go! We are committed to get your money to you as quickly as possible, in some cases, even instantly!

To apply for an installment you will need to be at least 18 years old and have the following:

• Valid ID
• Steady source of income
• Checking bank account
• Direct debit of your Pay check

When you apply, you will also need a valid email address and to provide your social security number.

Several factors may be taken into consideration when processing your instalment loan application. These factors may include: your current income, your ability to repay the loan, your credit score, and if you have any outstanding short-term loans.

In most cases, it will be in your best interest to pay more than the minimum payment when you can, which will result in less interest accruing on your loan. Be alert! Some lenders may tack on early payoff fees. Carefully review your loan agreements for such fees. Xpress Loans USA offers an early payoff option to ALL of our Customers on ALL of our loans, including installment loans, with no early payoff fees!

Financial hardships can hit, leaving you unable to make a loan payment. When this happens, most lenders (like Xpress Loans USA) will work with you. As soon as you suspect your payment is in jeopardy, contact your lender immediately. In most cases, they will be willing to make alternate payment arrangements.