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What are the costs involved? 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. Click here to
GET STARTED.
How much unsecured money can I borrow? 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. Click here to
GET STARTED.
When I pre-qualify, am I guaranteed financing? 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. Click here to
GET STARTED.
What is the interest rate on these loans/lines of credit?
The interest rate varies depending on your credit situation and the lender that
approves you. The interest rate will fall somewhere between prime +2% and prime
+9.99%. The overall average interest rate for most clients is usually 9.99% to
13.99%. Click here to
GET STARTED.
What are the loan terms? Depending on the loan amount, the
loan terms will range from 24 months to 84 months. Lines of credit
can actually have perpetual terms in some instances. Click here to
GET STARTED.
If I don't like the terms of the loan, am I obligated to take the
loan or pay your consulting fee? 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, after you are approved, you
will be provided with loan disclosures by the lender. If after reading their
disclosures, you decide not to continue, you can do so with no obligation to us. Click here to
GET STARTED.
How long does the process take from start to finish?
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 in less than 48 hours after you decide to proceed.
However, it can take longer depending upon how responsive you are throughout the
loan process. Click here to
GET STARTED.
Is there a way to speed up the process? The best way to
speed up the process is to be responsive to all phone calls and requests.
Click here to GET STARTED.
I have bad credit, but I have a co-signer with good credit. Can I still apply? Yes.
Click here to GET STARTED.
I have limited credit; can I still get a loan? We prefer
that an applicant have a minimum of three active trade lines for 36 months or
longer on their credit report. However, depending upon your income and the
amount of money you are seeking, we still may be able to assist on a case-by-case basis. Click here to
GET STARTED.
I have a few credit problems, but nothing recent. Can I still apply?
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. Click here to
GET STARTED.
I have a previous bankruptcy, can I still apply? Only if the
bankruptcy 10 years or older. Click here to
GET STARTED.
Is it possible to obtain lines of credit instead of a loan?
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. Click here to
GET STARTED.
Are there any pre payment penalties? 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. Click here to
GET STARTED.
Exactly what kind of company is America One Funding Group, Corp.?
We are a nationwide loan consulting and loan placement firm, specializing in loan programs
that offer our clients the fastest and easiest possible access to funds. Click here
to GET STARTED.
What kind of loans does America One Funding Group offer? 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 Home Equity Loans, Commercial Loans, Equipment
Sale Leaseback Loans, Equipment Leasing, Accounts Receivable Financing, and
Master Card/Visa Merchant Advances. Click here to GET STARTED.
Why is America One Funding Group a better bet for me than a bank?
There are several reasons. First and foremost, you are on your own when
you go into a bank. It can be intimidating and confusing for a layperson to
obtain an unsecured loan without prior experience. Often a simple mistake
can start a chain reaction of problems. By utilizing our service, you will have
an expert on your side guiding you through the entire process. We bring you the
most active funding sources. We eliminate costly mistakes and ensure
that you apply correctly the first time. We help you obtain larger
approvals at better terms and interest rates. We also consult you on how to
properly interact with lenders, if needed. The bottom line is...we have a
tremendous amount of experience and success in this area! We can help you get
approved, while saving you a tremendous amount of time and eliminating the
hassles typically associated with borrowing money. Click here to
GET STARTED.
Who should I contact once my loan is in process? 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 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. For any questions, call 800-457-6785 and follow the
prompts. Click here to GET STARTED.
What kind of documentation will I need to provide to the lender for verification?
Our streamlined loan process minimizes the number of documents required. The actual documents that you
need to provide will vary based on your situation. In many instances, no documents are required.
Click here to GET STARTED.
How does America One Funding Group protect my personal information when I apply online?
Privacy is a concern to all consumers. America One Funding Group 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 the America One Funding Group servers.
In order to ensure continued compliance with America One Funding Group's privacy policy, independent
auditors regularly review all internal processes and systems.
Click here to GET STARTED.
You say my application is secure. What does that mean?
America One Funding Group uses domestic grade encryption when transmitting applications and other
confidential information. Netscape Navigator, Microsoft Internet Explorer, and other web browsers
are compatible with this form of encryption. All the application pages will display the "secure icon"
in your browser indicating that the information you enter on these pages will be transmitted securely.
Click here to GET STARTED.
What is the rescission period? The rescission period is a
waiting period of three days (excluding Sundays and legal holidays), between
signing our Fee Agreement. This period allows you to reconsider, and perhaps
void the transaction, and is required by federal law for all owner-occupied refinances.
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Do I have to apply online? You can either apply online or by
calling our toll- free number 1-800-457-6785. Click here to
GET STARTED.
I would like a higher loan amount. Do I need to re-apply?
Yes, you can re-apply after six months, if you have paid back your monthly loan obligations in a
timely fashion. Contact us at 800-457-6785, and we will attempt to help you increase your loan limits.
Click here to GET STARTED.
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