FAQ

Why is PLCA different from walk in loan stores or banks?

PLCA is different from your traditional loan sources for the simple fact you will save time and money. You no longer have to take time off or use your vacation time just to leave work just to get a loan. You don’t even have to fill out an unnecessary paper work or wait days for an approval. Also, instead of just seeing one lender at a time your application is seen by our nationwide database of lenders who will compete for your business so you know you’re getting a low cost loan. If your approved you will receive your cash by the next business day. So, why wait apply today and get the cash you need.

What are the different loan amounts offered?

Loan amounts range from $500 to $25,000

What are the minimum requirements to apply?

All lenders have their own set of underwriting requirements and not everyone will be approved but the minimum requirements to apply are as follows:
• Must be at least 18 years of age
• Be a United States Citizen
• Make at least $1000 a month
• Valid Driver’s License
• Email Address
• Home Address
• Home/Cell Number
• Checking account with routing number to receive cash

What is my repayment schedule?

Repayment schedules will vary lender to lender. Read through your loan documents to find your repayment schedule. Make sure you agree with all terms, rates and repayment schedule before signing your loan documents.
Is this website application process secure?
We only provide access to lenders that have been predetermined as to providing safe and secure loans online. We understand how valuable your personal details are to you therefore we use SSL (Secure Socket Layers created by Netscape) to protect against identity theft. SSL uses a cryptographic system that uses two keys to encrypt data – a public key known to everyone and a private or secret key known only to the recipient of the message. Many web sites use the protocol to obtain confidential user information, such as credit card numbers. All current browsers support SSL.

What if I have bad credit?

We know having bad credit can make it hard to get approved. Although not everyone will be approved we have lenders that are all over the nation and specialize in bad credit loans and this way you have a better chance of getting approved.

How fast can I get my money?

As soon as you read through your loan documents and agree to the terms, rate and repayment schedule and sign the loan documents and return them to the lender you can get your cash as soon as the next business day.

How do I receive my money?

You must have a checking account with a routing number that accepts ACH payments.