How do I change my password?

For security purposes, password changes must be completed through our Customer Service team. Please call 866-986-3696 Monday through Friday between 8:30 AM and 5:00 PM Central Time for assistance.

What does it mean to refinance my loan?

Refinancing allows eligible customers to replace their current loan with a new loan, which may provide access to additional funds. If approved, your new loan pays off your existing balance, and you receive any remaining eligible amount.

Funds may be available as soon as the same business day. Keep in mind that refinancing increases the total amount you repay and may not be the right option for everyone.

Can I apply over the phone?

Yes. Our experienced Loan Origination Officers can guide you through the application process over the phone, answer your questions, and help you understand your options. Simply call 866-986-3696 to speak with a team member and get started.

What does APR mean?

APR stands for Annual Percentage Rate. It represents the yearly cost of borrowing money, including interest and certain fees associated with the loan. APR helps you understand the total cost of a loan and compare different borrowing options.

What kind of loans does eMoneyUSA offer?

eMoneyUSA offers installment loans. With an installment loan, you borrow a fixed amount and repay it over time through scheduled payments. Your payment amount stays consistent throughout the loan term, making it easier to plan and manage your budget.

Are there any fees if I pay off my loan early?

No. You can pay off your loan early at any time without any prepayment penalties or additional fees.

How do I update my bank information?

To update your bank information, please contact our Customer Service team by email at [email protected] or by phone at 866-986-3696 . Please make any changes at least three business days before your loan payment is due.

What time will the funds reach my account?

If you have an eligible bank account, you may choose Express ACH and receive your funds in as little as 2 hours.

For standard ACH, applications approved by 5:00 PM CT Monday through Thursday are typically funded the next business day. Applications approved after 5:00 PM CT on Thursday through 7:00 PM CT on Sunday are typically funded the following Monday, unless Monday is a bank holiday.

Your actual funding time may vary depending on your bank’s processing schedule. If you don’t see your funds by the expected date, please contact your bank’s ACH department for more information.

How do I opt into text messaging?

Text START to 77077 to opt in to receive text messages.

What happens if my scheduled payment falls on a federal holiday?

If your scheduled loan payment date falls on a federally recognized banking holiday, your payment may be debited from your account on the previous business day.

Your payment will be credited to your loan account the same day the debit is processed.

Who can access information about my account?

For your privacy and security, we can only share account information with the account holder or an authorized user.

If someone else contacts us on your behalf, such as a friend, family member, or partner, we won’t be able to provide any account details unless they are listed as an authorized user and we can verify them.