You need a consistent income, checking account, email address, phone number, and direct deposit of your income into your checking account. You also need to be 18+.
Pay from part-time or full-time employment, child support, Social Security, and pension are all eligible. There are other rare types of income that are also allowed. In order to qualify, your income must be consistent and reasonably expected to continue through the loan maturity date.
If you are a new customer, you are eligible to borrow $400 to $800. Returning customers can request up to $1200. Once you provide the information required to complete your application online, your maximum loan amount will be presented to you. You are able to borrow anywhere between $100 and your personal maximum in $50 increments.
If you are new to us, we most likely purchased your loan application from a third party. You were then re-directed to our website so you could provide us with some additional information and sign your loan agreement.
If you are a first time borrower, we will require you to speak to a Loan Representative before you receive funds, so we can verify your identity and income, gather some additional information, and make sure you understand the borrowing terms and conditions.
Returning customers can call our VIP line and have their loan set up within minutes.
We will use a 3rd party service(s) to review your credit history within the short-term loan industry. We do not run a credit check at the credit bureaus and our inquiry(s) will not affect your FICO credit score.
Your loan funds can be available in your bank account by the next business day, as long as you speak to a Loan Representative to close your loan by 3:50PM Eastern and elect to receive your loan funds by electronic funds transfer. Please remember that funds from loans processed on Friday will be unavailable until Monday morning.
You can receive your loan funds by an electronic funds transfer (ACH) or in paper check form. Every loan is funded in US currency (USD). Electronic funds transfers are usually available by the next business day. Paper checks will take 7 to 10 business days to arrive due to processing and transit.
You are able to repay your loan by electronic funds transfers (ACH) or paper check. You are required to notify us that you would like to pay by paper check in writing at least 3 days before your payment is due to prevent us from initiating a withdrawal. Otherwise, your payments will be withdrawn automatically on the due dates indicated in the payment schedule listed within the loan agreement.
Your loan payments are due on the dates you are paid. The full payment schedule is included in your loan agreement.
You are welcome to make additional principal payments or pay your loan in full at any time, without incurring any prepayment charges or penalties. Tan Oak always encourages you to pay off your loan balance as quickly as possible.
You have until the end of the business day after you receive the loan to rescind it at no cost to you.
Please contact our Customer Service Department. We will work with you to keep your account in good standing.
Please reach out to our Customer Service Department. We will verify that your new account belongs to you and get your new info in writing. If you contact us 3 days before the next payment is due, we should be able to get your next payment switched over in time.
Certainly. Please reach out to our Customer Service Department to request the ability to make a payment in full. Submit your request at least 2 days before the loan due date to ensure that we have enough time to adjust your payment amount.
Most likely, our emails are probably ending up in your spam or bulk mail folder. Please confirm, then whitelist our e-mail address, so our correspondence goes to your inbox.
Life happens. Please contact our Customer Service Department and we will work with you to find the best solution.
Yes, we record all calls for quality assurance unless you are providing card information. This is to make sure that our trusted customer service agents are adhering to company policies and best practices.
Not a problem at all. You can call or e-mail our Customer Service Team and we will stop.
Please follow the link at the bottom of the page to our Privacy Policy.
