Home Loans Locations About Us Contact FAQ VIP MEMBER LOGIN Frequently Asked Questions Quick answers to the questions we get asked the most. COVID-19 Information Learn how Easy Money EMG is responding to COVID-19 (Corona Virus) and specific details about your state. CLICK HERE Payday Loans Isn't it true that payday loans are extremely expensive with exorbitant interest rates? Isn't it true that payday loans trap users into a never ending "cycle of debt?" Isn't it true that payday loans take advantage of poor people and minorities? Isn't it true that payday lenders loan money to people who can't afford to pay it back? Isn't it true that payday lenders don't want to be regulated? Isn't it true that consumers win if payday lenders are regulated out of business? Isn't it true that payday lenders use coercive collection practices? Isn't it true payday lending has grown dramatically because of aggressive marketing? Isn't it true that payday lenders hide fees and mislead customers? Isn't it true that anti-payday lending activists have consumers' best interests in mind? Installment Loans What is an Installment Loan? What is the difference between a Payday Loan and an Installment Loan? Approval I have bad credit; is that a problem? Do FICO credit scores impact my ability to get a loan? I only need cash for a short time; can I pay the loan off early? How much can I borrow? Can the amount I am eligible to borrow increase? Do you hold a check for my loan? What are your interest rates? Do you offer loans to the Military? Is Easy Money EMG regulated? Payments How do I make a payment? Your Account What is my account status? How do I update my personal/bank info? Security Is my application secure? How to recognize fraudulent offers When we extend credit, we provide a credit agreement and related disclosures that contain important information about the cost and terms of credit. This licensee cannot use the criminal process against a consumer to collect any deferred deposit transaction. For example, our credit agreement and related disclosures will disclose when payments are due, any fees due if a payment is late or returned to us unpaid by your financial institution, and the finance charges due for the extension of credit. Loans are not renewed automatically. Whether you have the option of renewing a loan can vary based on factors such as state law, our credit policies, and the type of credit you request. The fees we may assess and other conditions that apply if you ask to renew a loan will be described in the credit agreement and related disclosures. Click here for more details about our consumer loan products and where they are available. * Certain limitations apply. All loans subject to approval pursuant to Easy Money EMG underwriting criteria. Easy Money EMG does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity Services Inc and will reflect as such on your credit report. Due to state and verification requirements, not all applicants for on-line request may be eligible for on-line approval by Easy Money EMG. Some customers applying for Easy Money EMG loans may be required to submit additional documentation due to state law and qualification criteria. See your local store for more details and additional disclosures or visit the Products page for more details. ** Terms and conditions apply. In-store cash pickup not available in all states. Checks or alternative funding options are available and may be issued instead of cash. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two business days. Terms and actual APR may vary based on various factors such as state, loan term, loan product type, additional fees and/or other underwriting considerations including credit qualification on certain products. Our efforts to collect past due accounts will be conducted in a professional and fair manner that complies with applicable law. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. For customers having difficulty repaying their loan, repayment plans may be available and vary by state. For additional information, please contact your nearest store location. Personal loans should be used only for unexpected financial needs, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. IN ACCORDANCE WITH LOUISIANA CHAPTER 2-A §3578.4.1., IF YOU CANNOT MAKE A PAYMENT WHEN DUE, YOU CAN ASK TO ENTER INTO AN EXTENDED PAYMENT PLAN ONCE IN A TWELVE-MONTH PERIOD, BUT THE REQUEST MUST BE MADE BEFORE PAYMENT IS DUE. REQUESTS MUST BE IN WRITING AND MAY BE MADE IN PERSON, BY EMAIL, OR FACSIMILE TO EMG ACQUISITION GROUP, LLC, 272 BENDIX RD, SUITE 500, VIRGINIA BEACH, VA 23452 OR ANY LOCAL EMG OFFICE. CALL OR FAX THEM AT 1-888-213-5744 OR EMAIL AT QUESTIONS@EASYMONEYNOW.COM. IF EMG ACQUISITION GROUP, LLC REFUSES TO ENTER INTO AN EXTENDED PAYMENT PLAN UPON YOUR REQUEST BEFORE THE DUE DATE, CONTACT THE OFFICE OF FINANCIAL INSTITUTION AT 1-888-525-9414. HOME LOANS LOCATIONS ABOUT US CONTACT FAQ ©2021 Easy Money EMG. Privacy Policy questions@easymoneynow.com