First Liberty Loans - Frequently Asked Questions

We are here to help you get cash for emergencies. If you're in need of answers about personal loans, try our explicit FAQs below. Click on the topic of interest for more information about getting a loan that can help you get the money you need.

I'm a First Time Online Personal Loan Borrower
Online Personal Loan. What is it?
What are the minimum requirements for getting a personal loan?
What is the process of getting a personal loan?
What if I have a bad credit history?
How long does take to get an online personal loan?
Will I need to print or to fax anything?
How much does it cost to get a personal loan?
What happens if I am late on a payment or need to skip a payment?
What is a repayment process?
What if I don't make a payment at all?
Is there an option to refinance an existing loan?

Online Personal Loan. What is it?

An online personal loan is a loan that applied for and obtained completely online and is very useful for financial emergencies. The amount of money loaned is based on the amount of money a person makes. It is perfect for people who have bad credit or no credit at all. Many people who request personal loans would not normally be able to obtain loans from a traditional bank.


What are the minimum requirements for getting a personal loan?

There are certain requirements one has to fulfill in order to receive a personal loan. Borrower must:

  • be a United States Citizen
  • be at least 18 years old
  • have a job that pays a enough income to support repayment
  • have direct deposit to a bank account


What is the process of getting a personal loan?

Getting a personal loan is extremely simple. Most people get cash deposited directly into their account. It is not a long process. It is just a matter of filing out an application and getting approved. Once approved, your money will be transferred to your bank account.


What if I have a bad credit history?

There may be no need to worry if you have a bad credit history. Even people with a bad credit history can get access to personal loans. Many people who would not get the chance from a traditional bank, can get cash as early as the next business day. Simply by filling out the online application, one can get access to money to consolidate debt, take a vacation, pay bills or simply put extra cash into your wallet.


How long does it take to get an online personal loan?

It doesn't take long to get the cash you need. It is really a matter of filling out the online application and getting approved. The application asks very basic questions. Most times, people can get cash as early as next business day.


Will I need to print or fax anything?

Part of the advantage of these loans is that most of the participating lenders require no papers to be printed or faxed in order to request or qualify for a loan. However it is important that you have a printer to print out the loan documents for your own records.


How much does it cost to get a personal loan?

Please remember that we are not the lender and we do not provide lending services directly to consumers. Your information is submitted, by us, directly to lenders who provide the loan and the terms of the loan are provided on the loan document which is provided to you immediately at the end of the loan processing. Submitting your loan application through us incurs absolutely no cost to you. We are paid by the Participating Lenders or network of Participating Lenders to whom you are referred. Even if you turn down the loan or exit the process at any time, our service remains FREE of charge to you. All lenders only charge interest on outstanding balances.


What is the repayment process?

The loan amount and loan fees are withdrawn from your checking account automatically on the due dates your loan payments are due and are withdrawd by The Lender. You don't even need to think about it! You don't need to make any payments or visit any store. You can also request a loan extension if you need it by contacting your lender before the due date. Additional fees may apply for loan extensions.


What happens if I am late on a payment or need to skip a payment?

Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender's policy, including the additional charges you will incur are detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan documents. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.


What if I don't make a payment at all?

Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.
It.s important to remember that we are not a lender and do not provide lending services directly to consumers.


Is there an option to refinance an existing loan?

Loan renewal policies are largely governed by State statute. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount and that can result in a substantial increase to the amount you will be required to payback. Again, be sure to read the Participating Lenders loan terms carefully and thoroughly before signing the loan contract.

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  • Personal Loans to $25,000
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Secure & Private Service

First Liberty Loans is an online service that only provides access to lenders that have been predetermined as providing safe personal loans directly to consumers. You can apply right here online. We collect information about your bank account details, as well as employment details, and we keep all data confidential. We only use it to process your online personal loan application. Your information is always kept safe and secure when you apply online through First Liberty Loans.

Through encryption and high levels of data security, we protect you and we keep your information safe. Our systems have been developed to guard against identity theft. We understand how valuable your personal details are: your social security number, bank account number, address and phone numbers, etc.

The phrase SSL Certified is short for Secure Sockets Layer. This is a protocol developed by Netscape for transmitting private documents via the Internet. SSL uses a cryptographic system that uses two keys to encrypt data - a public key known to everyone and a private or secret key known only to the recipient of the message. Many web sites use the protocol to obtain confidential user information, such as credit card numbers. All current browsers support SSL.

What is a Personal Loan?

Personal Loans are loans provided by independant lenders directly to a borrower.

Customer Notice: Personal Loans online should only be used when and if you can afford them. Customers with credit difficulties should seek credit counseling.

First Liberty Loans online provides online loan services of one type or another in almost all 50 states. However, some states only allow for issuing installment loans or lines of credit.

All First Liberty Loans online lenders act as a credit service organization or credit access businesses (CSO/CAB) in Texas and are not the lender - loans there are made by third-party lenders in accordance with Texas Law.

This is an invitation to submit a loan application, not an offer to make a loan. No person applying is guaranteed to receive either a personal loan, installment loan or line of credit loan.