| Q : |
What are the costs involved? |
| A : |
We believe that reputable firms do not charge upfront fees of any kind for financing. Therefore, all our efforts are guaranteed at no cost to you, until your loan is approved and you have funds in hand. At that point we have a loan consulting fee that varies based upon the amount of financing you receive and the type of loan program with which we assisted your needs. Your personal loan consultant will clearly explain our fee structure, both verbally and in writing, before we proceed. Many loan programs have no fees and there are never any obligations on your part. |
| |
| Q : |
How much unsecured money can I borrow? |
| A : |
If you are an Individual or Start-Up business you may be able to borrow between $10,000 and $150,000. If you are a business owner with two or more years in operation, you may be able to borrow between $15,000 and $250,000. The amount will vary based upon a number of credit attributes. |
| |
| Q : |
When I pre-qualify, am I guaranteed financing? |
| A : |
No. When we provide you a pre-qualification notice, it simply means that you have met the minimum credit qualifications required to proceed. You may barely meet these credit requirements or you may greatly exceed them. Each credit situation is different. We only pre-qualify clients that have a better than likely chance of receiving funding, since our efforts are free until we successfully help you secure funds. |
| |
| Q : |
If I don't like the terms of the loan, am I obligated to take the loan or pay your consulting fee? |
| A : |
We clearly state the interest rates, the terms of the loans and the nature of our service before we proceed with your loan request. If you are not completely comfortable with our service, we recommend that you do not proceed. Please note, that after you are approved, you will be provided loan disclosures by the lender. If after reading their disclosures, you decide not to continue, you can do so with no obligation to us. |
| |
| Q : |
How long does the process take from start to finish? |
| A : |
Initially, it takes less than 24 hours for us to completely analyze your credit situation. If you meet the pre-qualification criteria for our program, you can be approved as fast as 48 hours after you decide to proceed, however, it can take longer depending upon how responsive you are throughout the loan process. |
| |
| Q : |
Is there a way to speed up the process? |
| A : |
The best way to speed up the process is to be responsive to all phone calls and requests. |
| |
| Q : |
I have bad credit, but I have a co-signer with good credit. Can I still apply? |
| A : |
Yes. |
| |
| Q : |
I have a few credit problems, but nothing recent. Can I still apply? |
| A : |
If you have not had a bankruptcy in the last 10 years, or any unpaid collections, charge offs, tax liens, repossessions or serious late payments in the last 7 years, you can apply. Please understand that you still may not pre-qualify, and even if you do pre-qualify, you may not be eligible for your maximum stated loan amount. |
| |
| Q : |
Is it possible to obtain lines of credit instead of a loan? |
| A : |
Our typical client does not usually have a preference. Feel free to indicate your choice, but understand that by limiting your preference to either a loan or a line of credit, you will decrease your available options, limiting the amount of money we may be able to help you obtain. |
| |
| Q : |
Are there any pre payment penalties? |
| A : |
In most instances there are no pre-payment penalties. Full disclosure on this subject will be provided by the lender before you accept any loan. |
| |
| Q : |
Exactly what kind of company is GlobalCredit2u? |
| A : |
We are a nationwide loan consulting and loan placement company, specializing in loan programs that offer our clients the fastest and easiest possible access to funds. |
| |
| Q : |
What kind of loans does GlobalCredit2u offer? |
| A : |
In addition to unsecured loans, we specialize in no documentation loans that are approved and funded quickly, with the fewest hassles possible for our clients. These additional programs include Personal Loans, Enterprise Loans, Commercial Loans, Corporate Loans, Equipment Leasing, and Master Card/Visa Merchant Advances. |
| |
| Q : |
Who should I contact once my loan is in process? |
| A : |
Once you submit your online loan application, a personal Loan Consultant is assigned to guide you through the loan process. Your Loan Consultant is your single point of contact until you close your loan. If you have applied during business hours, your Loan Consultant will call you to answer questions and provide their contact information within 1 hour. |
| |
| Q : |
What kind of documentation will I need to provide to the lender for verification? |
| A : |
Our streamlined loan process minimizes the number of documents required. The actual documents you will need to provide will vary based on your situation. In many instances no documents are required. |
| |
| Q : |
How does GlobalCredit2u protect my personal information when I apply online? |
| A : |
Because privacy is of such concern to all consumers, GlobalCredit2u takes stringent measures to protect your personal information. Once you submit your application it is encrypted for transmission and then stored with industry-leading security on our servers. |
| |
| Q : |
Do I have to apply online? |
| A : |
You can either apply online or by calling our customer service |
| |
