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Please select the type of loan form the drop down box that you wish to apply for. Please note that there are absolutely no application fees and we will never ask for any type of payment upfront.



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Please understand that bad credit loans, such as cash advances, are not intended to be long-term financial solutions. These types of loan do help those that need occasional help with short-term financial needs. If you feel that you are experiencing severe credit difficulties, you should seek the advise of a credit professional.

Anytime you are seeking financial services, it is advisable for you to know the following:

Identity of the creditor
Amount financed
Itemization of amount financed
Annual percentage rate, including applicable variable-rate disclosures
Finance charge
Total of payments
Payment schedule
Prepayment/late payment penalties
If applicable to the transaction: (1) Total sales cost, (2) Demand feature, (3) Security interest, (4) Insurance, (5) Required deposit, and (6) Reference to contract

If you do not understand all of the terms of the loan or credit service that you may be eligible for then be sure to ask your lender to specify the items that are unclear to you. The lenders in our network are compliant with all state and federal laws and are dedicated to actively working with customers who need help and assisting them to avoid delinquency.

Potential Implications of Late/Non-Payment

1) Late fees may be assessed if you fail to make your payment by a the due date. Additionally, you may be assessed with a returned item charge if any check or electronic payment is returned unpaid (late fee and returned item fees vary by state – see your loan agreements for additional details).

2) Lenders may attempt to collect any delinquent amount through standard collection practices, which may include contacting you by phone, mail or email. They may also exercise their rights under the loan or credit services agreements with you. If they are unable to collect any delinquent amount you may have with them through such actions, they may also sell their debt to a third party debt buyer or engage a collection agency, who may also engage in collection activity with you.

3) Failure to make timely payment on your loan may reduce your score with credit bureaus. This could prevent you from receiving credit or other services from another provider that uses such agencies.

Keep in mind that lenders may run conventional credit checks with the three main credit reporting agencies (Experian, Equifax, and Transunion), however, they may also query additional consumer databases, including, but not limited to CL Verify, TeleTrack or DataX.

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Customer Feedback

Thanks NFS! We didn't realize how easy getting our first new car loan would be.

AJ & Gail Harris

I was worried about getting a loan approval with my bad credit, but I was able to get a cash loan with no co-signer or collateral. NFS is awesome!

Lucy Kim