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FAQ

What if I don’t have perfect credit?
Can I cancel my loan?
Does Credit Club run credit checks during the loan approval process?
Am I eligible for a payday loan from Credit Club?
When will my loan be due?
How do I know that my payday loan has been approved?
How much money can I receive?
When will the funds be deposited into my bank account?
Can I refinance my loan?
How do I repay my loan?
What if my payment is late?
Can I pay off my loan early?
When I pay off my loan, how soon can I receive another loan?
What if I forgot my password to access the member login?

 

What if I don’t have perfect credit?

Less-than-perfect credit will not necessarily prevent you from receiving a loan from Credit Club. We might ask you for additional information in order to see if you qualify for a loan.

Can I cancel my loan?

Yes, you can cancel your loan within two business days of the issue date without any cost or fees — simply return the principal. To cancel your loan, call Customer Service at 1-866-825-1164 Monday through Friday from 8:30 AM to 4:30 PM ET or email us at info@creditclubloans.com. 

Does Credit Club run credit checks during the loan approval process?

Credit Club does not process any credit checks.

Am I eligible for a payday loan from Credit Club?

To be considered for approval, you must:

When will my loan be due?

Your due date will normally be on your next payday or 14 days from the date the funds have been deposited into your bank account.

How do I know that my payday loan has been approved?

Once you have been approved for a loan we will notify you by email. 

How much money can I receive?

New customers may qualify for up to $500. Credit Club members can receive up to $1,500.

When will the funds be deposited into my bank account?

The funds will usually be deposited in your bank account the next business day.  If you apply Friday, Saturday or Sunday, the funds will be deposited on Monday unless it is a holiday. 

***Transfers registered by 11am (eastern time) are deposited the same day.  Deposit time may vary depending on your financial institution.  Some Banks will deposit the funds around midnight.  Returning customers may ask to have the funds sent by interac email money transfer for same day deposit.  Interac email money transfers can be requested from 11am to 4pm eastern time.

Can I refinance my loan?

No. We do not offer refinances or offer new loans to pay off existing payday loans.

How do I repay my loan?

We will send an email three days prior to your due date reminding you that your loan is coming due. Your bank account will be automatically debited on the due date, so there’s no need to send payment by mail. 

What if my payment is late?

If your payment is received after the due date, it will be considered late, and you might be charged an NSF fee.

Can I pay off my loan early?

Yes. You can pay off your loan any time before your due date without extra fees or penalties.

When I pay off my loan, how soon can I receive another loan?

The next business day.

What if I forgot my password to access the member login?

Your password is your social insurance number.



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