CALL: 888-773-3249 / E-MAIL: info@unsecuredcreditusa.com

Frequently Asked Questions

Business and Personal Loan Information

Question: Will we need to pay any upfront charges with your personal funding services?
Answer: No upfront fees or application fees are charged on any of our services.

Question: How many trade lines/credit accounts will I need to have reporting on my credit in order to qualify for funding?
Answer: You will need at least 4 open and active Primary trade lines on your credit report. Trade lines should be at least 1 year old however 2 years are preferred.

Question: Can a co-signer be used when applying for a personal loan?
Answer: No, a co-signer may NOT be used. Whoever is on the loan application must meet all qualifications for funding.

Question: What is the minimum credit score required to obtain a personal fundingloan?
Answer: Your credit score must be a minimum of 700. In addition your credit profile must also meet other basic qualifications. See Basic Qualifications in "About" Document.

Question: Can I still qualify for a loan with a Bankruptcy on my credit report?
Answer: Yes, however, the bankruptcy must be at least 5 years old.

Question: A prequalification evaluation will take approximately how long?
Answer: Prequalification's typically take 24 hours, not including weekends and holidays.

Question: How long does it take to complete the personal funding process?
Answer: Depending on the amount of requested funds, it takes about 2-5 days for us to complete our submissions. It then takes approximately 2-7 business days for the funding to arrive after the date of approval.

Question: Will Income documentation be needed for personal funding?
Answer: No, income documentation is not needed on 99% of loans.

Question: Is there an ALL cash funding option?
Answer: No, our personal funding comes in the form of major bank issued personal lines of credit and cards- such as: Visa, MasterCard, American Express and Discover. Once funded we will assist in the liquidation process to convert credit to cash.

Question: When will I be required to pay the fees for you providing the personal funding services?
Answer: We will provide you with written instructions regarding payment of each funding account which will be due after you receive each funded account.

Question: What forms of payment will you accept for payment?
Answer: We collect our backend fee via several methods of payment: PayPal, Credit Card Charge Authorization Form, Online Balance Transfer and in some instances Cash Advance. Instructions will be provided at the time of payment.

Question: Can you do personal funding using only my Equifax credit file and not Experian or Transunion?
Answer: We can do personal funding using only Equifax credit or only Experian. We do not provide funding with Transunion only.

Question: What is the max amount of funding I can obtain?
Answer: Based on the strength of the personal credit file we can do funding up to a maximum of $200,000.00

Question: Will you be removing credit inquiries from my report following funding?
Answer: No, we do not provide removal of credit inquiries. We do have an outside source we can refer you to.

Question: What is the minimum amount of funding available through your personal funding services?
Answer: The minimum amount of funding we will submit for is $10,000.

Question: Do you provide credit repair services?
Answer: We do not provide credit repair services, however, we do provide referrals for credit repair services.

Question: Which of the 50 states do you offer personal funding services?
Answer: Our services are available in ALL 50 states.

Question: Do you offer an affiliate program?
Answer: Yes, you can see details of the affiliate program in our "Affiliate Program" document upon request.