Holiday Season Loans
Up To $1,600
Where Customers and Service Go Together


Answers to Your Questions

Loan Express welcomes your questions – in fact, we encourage them!

We have assembled the questions we have been asked most-often and separated them in several categories. If you cannot find the answer to your questions, please contact your local Loan Express office or use the link below to submit your question.


Making your loan request is easy at Loan Express. There are several options. You can contact 1 of our 20 locations by phone, apply in person, or apply online at a time that is convenient for you. In less than 5 minutes, we will have all the information we need to process your application and get you an answer in less than 1 hour. If you apply after hours or on the weekend, your application will be processed immediately the next business day.

We can complete your application in less than 5 minutes and get you an answer within the hour.

In most cases, you will sign your loan documents and receive your money the same day. Otherwise, you can sign your loan documents and receive your money the next business day.

No. All our loan closings are done at your servicing branch location.

You will need to bring your most-recent pay stub, identification, and social security card. In addition, you will need to provide us with the names and phone numbers of two alternate contacts. In some cases, we may request a copy of your lease agreement and your most-recent cell or home phone bill.

We understand that your time is valuable. Therefore, we try to get the paperwork completed and hand you a check in 30 minutes or less. However we will give you as much time as needed, because we want to make sure all your questions are answered and you fully understand the terms of your new loan.

Online applications are processed just as quickly as applications submitted in person or by phone – in one hour or less. Please keep in mind that your loan request will only be processed during normal business hours. If you apply after hours or on the weekend, your application will be processed immediately the next business day.

We help people without credit every day. Just give your information to one of our team members and they will do everything they can to get your loan approved.

No, we do not require a bank account. We are not a payday lender and our loans are less costly.

Because your credit is just one part of what helps us determine the loan that we give you, it is necessary for us to run a credit report.

There is not always an income level requirement. At Loan Express, we do not want to burden you with a payment you cannot afford to make.

We consider ourselves experts in helping individuals with past credit issues. Our Loan Express team members will get to know your situation and do everything they can to re-establish your credit.

If your application was turned down, you will receive a letter by email or physical mail explaining the reasons behind the decision. You can also contact the branch location that processed your application for an explanation.

The good news is Loan Express does not require any security to obtain a loan. All our loans are unsecured.

Loan Express makes traditional installment loans. Traditional installment loans are a type of credit that has been around for over a hundred years. Our loans are not payday loans, but loans with affordable monthly installment payments.

Our office hours vary slightly by location. Generally, we are open from 8:30 a.m. to 5:30 p.m. We encourage you to visit the Location Page, search for the office closest to you, and check their business hours.

Yes, simply click on the Contact Us button at the top of the page. Your email will be sent to our Corporate Office and promptly answered.

We want to know about any issues or problems you are experiencing and would encourage you to contact the branch office that is servicing your loan. You can obtain their contact information by going to the Locations Page and searching by the city name. If you have contacted the servicing branch and they were unable to resolve the issue, use the Contact Us button to get the corporate office phone number or email us directly.

Customer service is our number one priority. If you feel that you were not treated or serviced properly, please let us know right away. Use the Contact Us button to get the corporate office phone number or email us directly. We promise to promptly contact you and resolve the issue.

Yes. The reason you need the money is not important, just that you have a need or desire for extra cash is good enough. Many of our customers borrow money for unexpected expenses, car repairs, vacations, school expenses, home improvements, major purchases, Christmas, and so much more.

Our typical loan is between $200.00 and $1,600.00 with a maximum term of 12 months. Unlike PayDay Lenders, Loan Express is a traditional installment lender offering affordable monthly payments.

Yes! We report all payments, made or missed, to the credit bureau. This is your chance to be rewarded for your excellent payment history or repair & improve your credit score. 

Yes, we are thrilled when a customer refers their friends and family. It is our confirmation that we have provided a valuable service. To say “thank you,” we will send you a check for $50.00. For more details visit the $50.00 Referral Bonus Program page under Services.

We accept cash, checks, money orders, and debit card payments.

Yes, you may pay your loan off at any time without a prepayment penalty.

Our loans are paid back in easy and affordable monthly installments. You can make your payment by mail, in the office, or by phone with your debit card.

We understand financial circumstances can change, sometimes in an instant, and we want to help. Visit the Payment Resolution Center for options or call your local branch office to discuss your finance situation.

We Can Help With Your Holiday Season Expenses With Extra Cash
Loan Express has the extra cash you need for all those expensive holiday expenses. We have loans up to $1,600, with flexible payments, and great service makes us the company you call for your personal loan needs.
Happy Holidays from Loan Express!

Join Our Team

Loan Express is always looking for friendly, professional individuals looking for their next career. Join our team today!

Call for Extra Cash

Connecting to your local branch is easy as 1, 2, 3. Call today to discuss your financial situation. Click on the phone icon to find a branch near you.

Refer a Friend Program

Already a Loan Express customer? We love referrals! Referrals also mean extra cash in your pocket. Learn more here.