GetFin Frequently Asked Questions

Read the following to understand more details about what GetFin offers and how it works to get a loan.

What can I use the money for?

The best thing about a personal loan is that you can use it for ANYTHING. Since these loans require no collateral (the money is unsecured) lenders typically don't ask what the money is for. Apply here to see what payment plan financing offers are available to you.

When will I get the money?

After being approved for a quick loan, money gets deposited in your bank account within 12 - 48 hours. Start the application process now here.

Where do the 35 lenders come from?

We built the lending platform with you in mind. Our system communicates with the 35 lenders in real-time when you apply and displays all their available offers on the page. All lenders are in the business of routinely offering personal financing and payment plans to individuals like you, but keep in mind that not every lender offers money to every applicant. To see what offers are available for you today, click here to apply. 

Does my credit score have an impact on loan payment plan offerings?

Our 35 lenders service people with good and bad credit. Lenders pay attention to your debt to income ratio (also known as DTI), which is the percentage of debt you owe compared to the amount of money you make. To determine your DTI, divide your total monthly debt obligations by your total monthly income, then multiply that number by 100 and add a % sign to it and you'll have your debt to income ratio. The lower the percentage, the better your chances are of being approved for financing payment plan. Find out what payment plan offers are available to you by applying here.

Will this improve my credit score?

Yes, getting a loan through GetFin will improve your credit score over time. Generally speaking, the requirements to improve credit score depend on using some of the credit that is available to you and paying consistently over time. The lenders report to the credit bureaus, so if you pay on time it has a positive impact on your credit score. Individuals with bad credit often take out small loans to improve their credit score. Click here to apply.

Will I be contacted by all the lenders after applying?

The lenders do NOT contact you after applying. We are NOT a lead generating website. The lenders have their chance to present you with their best offer during the application process through the site, but they will not contact or harass you afterwards. The only exception is that the one lender for the one offer you choose will communicate with you via email and maybe phone to confirm your borrowing request is real and legitimate. Click here to apply.

What terms are offered? What is the interest rate, payment and length of time to pay the money back?

Since each person's situation and requirements are different, the offers are different. You'll see a variety of quick loan offers on the page with interest rates starting at 2.9% for individuals with the best profiles. Payment plans vary from 2 years to 7 years. All loans have NO pre-payment penalty so you can take the money today and pay it all back any time with no penalty for paying early. Apply here.

What do I need to provide to be approved?

The personal loan requirements are easy. To get approved, provide your name, address, social security number and income as well as the amount of money you're looking to borrow. Bad credit and good credit individuals are serviced. Upon approval, a lender may ask to see a form of identification (i.e. driver's license), bank statement, proof of employment or pay stub. Click here to apply.

Can I get a loan for my business?

Yes, we offer money for businesses. If you're looking for a personal loan to use money or get additional credit for your business, apply here. If you're looking to borrow money in the name of your business, please contact us and we'll quickly go through the requirements and get the process started.

Am I getting a loan, a payment plan or financing?

The terms "loans", "payment plans" and "financing" are somewhat interchangeable. When you are approved to borrow money, you're receiving a loan, you're getting financing, and it's like a payment plan. So, in a nutshell, it's like all 3. That being said, you're not receiving credit because you actually get the money in your hands. Credit is something that is available to be used but not necessarily cash in your pocket.

What does GetFin do with my information?

Since you're asking for someone to loan you money, you must disclose some personal information. That being said, the information is only used momentarily during the application process when our AI securely communicates with the lenders to see what loan offers they'd like to present to you. Once the application requirements are done the lenders do NOT contact or harass you. Click here to apply for a quick loan.

Who and what is GetFin?

GetFin is a service helping individuals and businesses access financing offers. We are not the lender. We provide a technology platform with 35 lenders that compete to provide you with loan offers. Use the money to finance anything and as a payment plan. Click here to apply.

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