Understanding the Terms and Conditions
At Easy Money EMG, we believe in providing transparent and comprehensive credit agreements. We want our customers to have all the necessary information about the cost and terms of their credit. It’s important to note that we don’t resort to the criminal process to collect any deferred deposit transaction from our consumers. Our credit agreement and related disclosures clearly specify payment due dates, any applicable fees for late or returned payments, and the finance charges associated with extending credit. Renewal options for loans may vary based on factors such as state regulations, our credit policies, and the type of credit you request. Details regarding loan renewal fees, if applicable, can be found in the credit agreement and related disclosures.
Eligibility and Verification
Certain limitations apply to our loan products. All loans are subject to approval based on Easy Money EMG’s underwriting criteria. While we don’t perform traditional credit checks during our credit approval process, we do verify applicant information using databases like Clarity Services Inc. Please be aware that this verification process may be reflected on your credit report. Additionally, due to state laws and verification requirements, online applicants might not be eligible for online approval. In some cases, customers applying for Easy Money EMG loans may need to submit additional documentation based on state law and qualification criteria. For more information and complete disclosures, please visit our Products page or contact your local store.
In-Store Cash Pickup and Alternative Funding Options
Please note that in-store cash pickup is not available in all states. However, we do offer alternative funding options, including checks, that can be issued instead of cash. The funding of your loan is contingent upon the verification of your application information. Depending on our ability to verify the provided information, loan funding may be extended by up to two business days. Terms and actual APR may vary depending on various factors such as state regulations, loan term, loan product type, additional fees, and credit qualification for certain products.
Professional and Fair Collection Practices
At Easy Money EMG, we strive to conduct our collection efforts in a professional and fair manner, always adhering to applicable laws. It’s important to note that information about your account may be reported to credit bureaus. Late payments, missed payments, or defaults on your account could be reflected in your credit report. If you’re experiencing difficulty with loan repayment, we may have repayment plans available that vary by state. For further information and assistance, please reach out to your nearest store location.
Responsible Loan Usage
We want to emphasize that personal loans should only be used for unexpected financial needs and should not be relied upon as a long-term financial solution. Customers facing credit difficulties are encouraged to seek credit counseling for proper guidance.
Extended Payment Plan Option
As per Louisiana Chapter 2-A §3578.4.1., if you find yourself unable to make a payment when due, you have the option to request an extended payment plan once within a twelve-month period. It’s important to note that this request must be made before the payment due date. You can submit your request in writing in person, by email, or by fax to EMG Acquisition Group, LLC at 272 Bendix Rd, Suite 500, Virginia Beach, VA 23452, or at any local EMG office. You can also contact them by calling or faxing 1-888-213-5744, or by emailing them at [email protected]. If EMG Acquisition Group, LLC denies your request for an extended payment plan before the due date, you can reach out to the Office of Financial Institution at 1-888-525-9414 for assistance.
Remember, Easy Money EMG is here to help you with your financial needs. Apply for a loan today and experience our quick and convenient process.