Frequently Asked Questions

Do I need a good credit score to qualify for a loan?

No, a good credit score is not a requirement, loans are based on a number of factors, of which credit score is just one.

Do I Have to have collateral?

Yes all loans must be secured by some time of pledged collateral. Type of collateral determined by amount of loan and credit history

Do I need to have employment history?

Yes, upon approval of loan, you will be required to furnish starting and most recent pay stubs, unless on Social Security in which case benefits letter will suffice.

Do I need a driver's License?

A State government issued photo ID is necessary.

What are your loan terms?

Loan terms are dependent on a number of factors.  Max length is 24 months.

Do you do payday loans?

No, our loans are typical installment loans.

Do you check credit?

Yes, while credit score is not a determining factor by itself, it is one of the elements of any decision.

Do I need to be local?

Yes. We service Blount County and the greater Knoxville Metropolitan statistical area.

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