Loan Qualifications

QUALIFYING FOR A LOAN
Answers to your questions

Q: What if I don’t have credit?

A: We help people without credit every day. Just give your information to one of our team members and they will do everything they can to get your loan approved.

Q: Do I have to have a bank account?

A: No, we do not require a bank account. We are not a payday lender and our loans are less costly.

Q: Do you have to run a credit report?

A: Because your credit is just one part of what helps us determine the loan that we give you, it is necessary for us to run a credit report.

Q: How much money do I have to make to qualify for a loan?

A: There is not always an income level requirement. At Atlantic Financial Services, we do not want to burden you with a payment you cannot afford to make.

Q: What if I have had credit problems in the past?

A: We consider ourselves experts in helping individuals with past credit issues. Our Atlantic Financial Services team members will get to know your situation and do everything they can to re-establish your credit.

Q: My application was turned down. How do I find out the reasons for this decision?

A: If your application was turned down, you will receive a letter by email or physical mail explaining the reasons behind the decision. You can also contact the branch location that processed your application for an explanation.

Learn About Credit Scores

How does a credit score work? How do I improve my score? Click on the image to find everything you need to know about credit scores in one place.

Fairness in Lending Policy

Fair and responsible lending is a Atlantic Financial Services value. It is our policy to treat you with professionalism, courtesy and fairness.