FAQ

How do I qualify?
How much money can I get and what does it cost me?
I have some problems with my credit. Do you run a credit check or report to credit agencies?
How do I get my loan when you’re online?
What is your refund policy?
When can I get my money?
What States do you lend to?
How do I make payments on my loan?
Is there a penalty for paying off my loan early?
If I pay off my loan, can I get more money next time?
I just paid off my loan! When can I get another one?
How do I go about getting another loan with Good Loans Fast?
I’m not seeing your emails in my inbox. Where are they?
I can’t pay my next payment, what do I do?
Will a bankruptcy affect my ability to get a loan?
Are you a licensed lender?


How do I qualify?
Qualifying for a loan with Good Loans Fast is simple! All you need to do is… Start Your Application Now!

How much money can I get and what does it cost me?
Please see our Rates and Terms page for more detailed information.

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I have some problems with my credit. Do you run a credit check or report to credit agencies?
We do perform credit checks as part of our underwriting, and report loan information to credit agencies as required under the Fair Credit Reporting Act. However, at this time we do not use the “The Big Three” credit agencies (Experian, Equifax, Trans Union). Rather we use subprime credit agencies such as DataX, Clarity Services and Factor Trust since their services are more relevant to our loan product, consumer base and underwriting needs.

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How do I get my loan when you're online?
In most cases, we transfer money to your checking account through an ACH deposit, much like an employer would send a direct deposit.

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What is your refund policy?
Upon receiving the loan disbursement, you may cancel without any cost or obligation, however you must contact us and cancel the loan within 3 business days.

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When can I get my money?
At Good Loans Fast, we pride ourselves on getting money to you as fast as possible. If we approve your installment loan by 6pm Eastern, Monday through Friday, your money can be in your bank account as early as the next business morning!

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What States do you lend to?
We lend to consumers who live in the following States: AL, AS, CA, DE, FL, FM, GU, HI, IA, ID, IL, IN, KS, KY, LA, MH, MI, MN, MO, MP, MS, ND, NE, NM, NV, OK, PR, PW, TN, TX, UT, VI, WA, WI, WY

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How do I make payments on my loan?
To save you hassle, we simplify the payment process by setting up automatic payments for you, using ACH withdrawal! If at any time you’d like to change from automatic payments, all you need to do is call us and we can set up your payment using a card, MoneyGram, or PayPal. Please call us at (888)522-2848 , at least one full business day prior to the due date, Monday through Friday, 8 AM – 7 PM Eastern to discuss any change in your upcoming payment.

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Is there a penalty for paying off my loan early?
Never! Should you wish to pay off the entirety of your loan at any time, simply let us know!

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If I pay off my loan, can I get more money next time?
Not only can you get more money for paying off your loan, but Good Loans Fast rewards you with progressively lower interest rates on future loans as well! Reactivating your loan is fast and easy.

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I just paid off my loan! When can I get another one?
As long as your final payment has cleared in our system, you can get your next loan as soon as you need it! Just remember, Good Loans Fast is here for you short-term financial needs, but we ask you to borrow responsibly. Remember that this service is to help you with emergencies or other urgent situations.

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How do I go about getting another loan with Good Loans Fast?
It may be hard to believe, but getting another installment loan with us is even faster and easier than the first one! If you’re in need of additional cash, but haven’t yet paid off your current loan with us, one of our representatives will walk you through how to refinance your loan. Or, if you’ve completely paid your previous loan and would like another one, you can choose whether to reactivate your loan account online or over the phone!

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I’m not seeing your emails in my inbox. Where are they?
We suggest looking into your spam or junk folder, and then adding us to your "safe list." Our email address is customerservice@goodloansfast.com. If you’re still having problems, contact us at (888)522-2848 or chat with us on our Live Chat!

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I can’t pay my next payment, what do I do?
If you’re unable to make your next scheduled payment, contact us immediately so that we may work out an arrangement with you.

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Will a bankruptcy affect my ability to get a loan?
It depends. If you filed for bankruptcy within the past year, you might not be eligible to apply for a loan with Good Loans Fast.

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Are you a licensed lender?
Yes! Good Loans Fast is a licensed lender. We follow all U.S. Federal Laws including the Military Lending Act of 2007, the Truth in Lending Act, the Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, and all laws of the Oglala Sioux Tribe and the United States. We're also a proud member of OLA (the Online Lenders Alliance) and we comply with all Best Practices to ensure our products, services and relationships with our customers are safe, secure and fair.

We are a tribal lending company wholly owned and operated by the Oglala Sioux Tribe, a Sovereign Nation recognized by the United States Federal Government. The relationship between the United States of America and Indian tribes is defined in the U.S. Constitution’s Commerce Clause which states “[The Congress shall have Power] To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes;.” Essentially this means that Americans and Tribes who do business together must follow all applicable U.S. Federal and Tribal laws.

Additionally, the Supremacy Clause of the U.S. Constitution mandates that if both Federal and State governments have laws regarding the same matter, the Federal Law receives priority. State laws regarding commerce do not override Federal law. This question of State jurisdiction with tribes was recently upheld by the US Supreme Court in 2014 (Michigan vs. Bay Mills). 

Please CLICK HERE to view additional Legal information.