Personal Loans FAQ

FREQUENTLY ASKED QUESTIONS

What do I do to get this started?

How long does the process take?

Is this a guarantee of approval?

Do I need a co-signer or collateral?

What will my interest rate be?

What will my monthly payment be?

Are there any more fees other than the one-time referral fee?

Can I speak with someone personally?

 

What do I do to get this started?
If you have not applied yet, click "Apply Online" and we will let you know if we can help you. If you have already applied and have received your results, it explains what you need to do to get started.

You can pay by credit card, debit card or by online check by clicking
"Make Payment" and follow the instructions from there.

Other payment methods are Money Order, Certified Check, Western Union Quick Collect, or Personal Check. If you are paying by mail, make sure you include a completed "Order Form By Mail" and proper payment payable to Personal Credit Services Inc., and send it to:
Personal Credit Services Inc.
321 Dante Court # A1
Holbrook, NY 11741

Once we receive payment, we will email your information to you immediately upon processing. Turn around time is usually 24-48 hours unless you order late on Friday or there is a holiday in-between that time. We accept personal checks, however this will delay processing by 15 days, no exceptions.

If you wish to pay by Western Union Quick Collect, go to any Western Union office or any retailer that offers Western Union services, usually check cashing places or supermarkets, and follow these instructions:

#1) Use the blue form “Quick Collect” which is at the western union office.

 #2) On the blue form, complete the following sections:
a) Pay to = Personal Credit Services
b) Code City = Dante
c) Code State = New York or NY
d) Account# = Your 6 digit Client ID#

How long does the process take?
Once we receive your payment, we will email the lender information to you . The turnaround time is 24-48 hours unless you order after hours on a Friday or there is a holiday. The fastest payment methods are: credit or debit card , western union, money order or certified check, online check or personal check (15 days).

Lenders are usually able to provide funding within a day or two. Lines of credit may take a bit longer.

Is this a guarantee of approval?
We at Personal Credit Services, Inc. have been helping people get personal loans and lines of credit since 1998. Our service has been provided to literally THOUSANDS of clients every year. We are incorporated in the State of New York and we are a member of the United States Chamber of Commerce.

If you apply for a personal loan, you will be approved for up to the amount you request or we will reimburse your fee based on the amount you are actually approved for collectively from the lenders. Further details are outlined in the email you received. We have done our research, constantly updating our lender database and we are confident that we can help you. However, if a client is due a refund, we will send it to them right away. We are trying to get information in people's hands so that they can be helped. We feel our business provides a service to many people.

Do I need a co-signer or collateral?
No co-signers, home ownership or collateral are necessary as far as our guarantee is concerned. Our guarantee is based on you, and you alone.

What will my interest rate be?
Personal loans usually have fixed rates that do not change throughout the life of a loan. Personal Credit has yet to encounter a personal loan that has a variable interest rate or that has pre-payment penalties. Interest rates on credit lines or credit cards can change at any time. As far as details are concerned about amounts approved and interest rates offered, in the end, it is between you and the lenders. It is completely up to you whether or not you wish to accept a lender's offer. Personal loans usually last from 1-5 years and sometimes 6-7 depending on the lender's flexibility.

What will my monthly payment be?
We have created a calculator that will provide an estimated payment amount.
Click Here for Monthly Payment Calculator

Are there any more fees other than the one-time referral fee?
Personal Credit Services only charges a one-time fee for our referral services. "Personal loan" lenders do not typically charge application fees. Lines of Credit lenders are different and SOMETIMES charge fees. These fees typically come off the top of the Line of Credit but you should double check with your lender to make sure you understand the terms of the line of credit.

Can I speak with someone personally?
Unfortunately we do not offer phone support at this time. However, we are available to answer any of your questions by email. You may Contact Us 7 days a week. We normally respond within 1 business day.