Frequently Asked Questions

Our online application takes less than 5 minutes to complete. You'll receive an instant pre-approval decision, and final approval typically takes 24-48 hours once all documents are submitted.

You'll need a government-issued ID (driver's license or passport), proof of income (pay stubs or tax returns), proof of address (utility bill), and bank account information for fund transfer.

Yes, you can apply with a valid Tax ID (ITIN) and proof of legal residence in the United States. We serve the Latino community regardless of citizenship status.

Absolutely. We use bank-level 256-bit SSL encryption to protect your data. Your information is stored securely and never shared with third parties without your consent.

Our rates are competitive and personalized based on your credit profile. Rates typically range from 8.99% to 29.99% APR. You'll see your exact rate during the application process.

We work with customers across all credit ranges, from poor to excellent credit. Even if you have no credit history or past credit challenges, you may still qualify for our programs.

Credit amounts range from $1,000 to $25,000, depending on your income, credit profile, and the type of credit you're applying for. Your personalized limit will be shown during application.

The initial pre-qualification uses a soft credit check, which doesn't affect your score. A hard credit inquiry is only performed when you decide to proceed with the full application.

Repayment terms range from 12 to 60 months, depending on the credit amount and type. You can choose monthly payment amounts that fit your budget during the application process.

No hidden fees, ever. We believe in complete transparency. All fees and rates are clearly disclosed upfront before you accept your credit offer. What you see is what you pay.

Yes! You can pay off your credit early at any time without prepayment penalties. This can save you money on interest charges over the life of your credit.

You can make payments online through your customer portal, by phone, or set up automatic payments from your bank account. We also accept payments by check or money order.

Once your credit is approved, you'll receive login credentials to access your secure customer portal. There you can make payments, view statements, and manage your account 24/7.

Yes, you can request to change your payment date through your online account or by contacting our customer service team. Changes typically take effect with your next billing cycle.

Life happens, and we understand. Contact our customer service team to discuss payment modifications, deferment options, or other assistance programs that may be available.

You can reach our bilingual support team by phone, email, or live chat Monday-Friday 8 AM to 8 PM EST. We also offer WhatsApp support for quick questions.