Frequently Asked Questions

To update your GoCredit.loans password, follow these steps:

• Log into your GoCredit.loans online customer portal account
• Under "MANAGE ACCOUNT", select "CHANGE PASSWORD"
• Type in your current and new passwords and select "NEXT". Your password is now updated.

If you currently have an active loan with GoCredit.loans, please call 888-800-8172.

Please be prepared to fax, text, or email a copy or photo of a voided check or bank statement from your new bank account. Also, if you are submitting a voided check, please do not submit starter checks, as we do not accept these as valid proof of bank information.

To update your employer information with GoCredit.loans, please call 888-800-8172.

To update your GoCredit.loans account information, please call 888-800-8172.

To reset your GoCredit.loans password, follow these steps:

• Click the "Forgot Password" link under the customer login section in the top right corner of the website
• Please enter your username or email address and click "Next".
• Select your preferred communication method and select "Next". You will be sent a unique PIN that will allow you to reset your GoCredit.loans password.

• Please click on the "Forgot Username" link and fill in the form and click "Send Message".
• OR you can call 888-800-8172 to reset or retrieve your GoCredit.loans username.

*Hint - Your username may be your email address.

In order to apply, you’ll need a few required documents handy:

• Unexpired Driver's License/State ID 
  o   Any State
  o   Must include photo
  
  Current Bank Statement tied to your direct deposit
  o   Checking or Savings
  o   Must show 30 days of transactions
   
  Pay Stub (most recent) OR Benefits Letter
  (current year)

Yes, less than perfect credit will not prevent you from qualifying for a loan from GoCredit.loans. Even if you have been turned down by other lenders, GoCredit.loans may be able to assist you in obtaining a credit option that fits your needs.

GoCredit.loans applicants will receive an email notification when approved.

Please have the following ready when applying for a loan:

Unexpired Driver's License/State ID 
o   Any State
o   Must include photo

Current Bank Statement tied to your direct deposit
o   Checking or Savings
o   Must show 30 days of transactions
 
Pay Stub (most recent) OR Benefits Letter
(current year) Proof-of-income may include a government benefits award letter with a recent bank statement displaying proof of direct deposits within the last 30 days.

GoCredit.loans uses email and text communications to keep you informed of your loan approval, payment reminders, promotions, events and more. It's very important that you receive all email communication from GoCredit.loans concerning your account. Please add our email address, cs@gocredit.loans to your address book as a trusted contact.

Please call 888-800-8172 to speak with a representative. Do not email or fax any credit card or bank information to our Customer Support Department.

You must contact us 3 business days prior to your payment date. If your debit is returned unpaid from the bank for any reason, we will initiate recovery procedures immediately.

A credit builder loan is a loan that is paid back through a series of payments, helping you build your credit history. While making payments, the customer savings component will grow with interest. This component will remain secure until you finish your payments, then the customer savings component will be transferred to you within 15 business days.◆

The amount you’re approved for is based information you provide in your GoCredit.loans application. 

There are also state-mandated loan amount limits. Please visit your State page to view loan Rates & Terms.

When you complete your application before 1:30pm CST with all required documents, underwriting approval and signatures, you are eligible to receive your cash the same day. Restrictions may apply.

You can take advantage of the following repayment options:

• Installment Payments: You may pay back your loan principal plus accrued interest through a number of scheduled payments made over the loan term.
• Full Payment: You may pay back your loan in full at any time without any prepayment charges.
• Early or Partial Payment: You may make an early or partial principal payment on your loan at any time with no prepayment penalties.

If you currently have an active loan please contact our Customer Service Team via email at cs@gocredit.loans or by phone at 888-800-8172.

Please see our Rates & Terms pages by state for more info.