Common Questions About Personal Loans

Who is eligible to apply for a loan?

Everyone with a bank account may apply for a short term loan. You can use your funds for any purpose, and you are in complete control over the payment schedule of your loan.

How do I apply for a loan?

Apply today for a short term loan through Your Own Funding by filling out our online form, which takes less than five minutes to complete.

When will I receive my funds?

You will receive your short term loan in as little as the next business day.

When do I need to pay back my loan?

You are in complete control of when and how you pay back your loan. You may pay your loan in full after a couple of days, in installments on your scheduled payment dates, or any other way you choose. However, we advise you to pay your loan in full as soon as possible, since interest adds up daily. For the best results, we recommend paying back your loans in five days or less, if possible.

Can I cancel my loan?

Absolutely. There is a three day grace period for short term loans through Your Own Funding. If you cancel before your three days are up, we will withdraw the loan amount from your bank account automatically without interest or fees.

What are the minimum and maximum amounts for the loans?

There is no limit to the amount of funding you may receive from Your Own Funding. We will make sure you receive the exact amount of money you need when you need it.

Do I need a bank account to receive my loan?

Yes, you will need a checking account to receive your installment loan.

Can I get a short term loan if I have bad credit?

Your Own Funding will help you secure the installment loan you need, regardless of your credit score. Whether you have good credit, bad credit, or no credit, we will assist you in getting the money you need in as little as one business day.

What happens if I can’t pay back my loan on time?

The beauty of Your Own Funding is that you are in complete control of your short term loan. That means you decide how much and how often you pay back your installment loan. However, we advise you to pay your loan in full as soon as possible to keep your interest amount low. Use our online calculator or call our installment loan specialists to determine the best payment schedule for your unique financial situation.

Is it guaranteed approval?

For applicants with a valid checking account, installment loan approval is guaranteed.

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