Frequently Asked Questions (FAQ)
Where do I go to get answers about my existing loan?
PicoFinancial.com is not a bank, financial institution, or lender. We do not make credit decisions or short term cash loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. PicoFinancial.com works as a connection to a network of fast cash lenders. If you require details on your loan or have questions/concerns regarding your cash advance, contact your lender directly. They will be able to assist you. In addition, information about your loan and your lender should be included in your approval email, bank statement, or via contacting your bank/credit union directly.
Do I qualify for short term funding?
Qualifying for short-term cash loans is easy. Many fast cash lenders will provide funds to customers with poor credit histories. Most cash advance lenders will qualify a customer if they:
- Are employed, receive regular income
- Earn at least $800 a month
- Have a checking account
- Are 18 years of age or older
- Are a US citizen
Note that other requirements may apply depending on the fast cash lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for quick cash loans.
What is a Personal Loan and what can I use it for?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the cash you need! Once you fill out our application online, if approved, you can receive cash as fast as next business day.
How fast can I get the money?
While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get cash within the hour. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lenders in our network, you can receive the cash for your emergency in as little as 1 business day and resolve your short term cash problem in no time!
How do you protect my privacy and personal information?
In transmitting your application data to our lender network we ensure the highest safety of your personal information. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at PicoFinancial.com.
Do I have to go into a store or wait in line?
Entering your information on PicoFinancial.com is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire application without going into a store and waiting in embarrassing lines. The process is easy and private.
Are there any fees?
PicoFinancial.com does not charge the consumers any fees and there is no fee to apply online. If approved for a tribal installment loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. PicoFinancial.com is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.
Can I apply by phone?
If you want to apply by phone you can call us at: 844-629-2654