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Apply online, visit a local branch, or call 855-513-LOAN today.
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Frequently asked questions

Got questions? We’ve got answers.
  • What is an installment loan?
  • Does Courtesy Finance offer payday loans?
  • Does Courtesy Finance offer title pawns?
  • What loan amounts does Courtesy Finance offer?
  • What are loan decisions based on?
  • What items do I need to apply for a loan?
  • Can I apply online?
  • How long does it take to get approved?
  • Will the interest rate on my loan change?
  • What is the interest rate or APR on a Courtesy Finance loan?
  • Does Courtesy Finance report to the Credit Bureau?
What is an installment loan?

An installment loan is any loan repaid with regularly scheduled payments. Courtesy Finance offers personal installment loans repaid in affordable monthly payments that are fixed for the term of the loan. Our loan terms can range from several months to much longer.

Does Courtesy Finance offer payday loans?

No. Courtesy Finance only offers personal installment loans. Payday loans are secured against a borrower’s next paycheck and generally must be repaid within several weeks. The high cost and short time to repayment can make it very difficult for most borrowers to pay off a payday loan. Courtesy Finance’s personal installment loans are repaid in equal, affordable monthly payments.

Does Courtesy Finance offer title pawns?

No. Courtesy Finance only offers personal installment loans. Most title pawns advance money based solely on the value of the vehicle collateral and must be repaid within 15-30 days. This approach means that title pawns are generally very expensive and difficult to pay off. Courtesy Finance looks at a customer’s financial situation and finds an affordable personal installment loan that meets their unique needs.

What loan amounts does Courtesy Finance offer?

Courtesy Finance offers loan amounts from around $500 up to $20,000.

What are loan decisions based on?

Loan decisions are based on a several factors including credit history, income, expenses, and availability and value of collateral. Courtesy Finance examines each customer’s situation, including their ability to repay a loan, and tries to find a loan that will meet their needs.

What items do I need to apply for a loan?

To complete a loan application, customers are required to provide several documents. These may include:

  • Picture ID with signature (driver’s license, state issued ID or passport)
  • Second form of ID (social security card, birth certificate)
  • Address verification (most recent power bill, water bill, etc.)
  • Employment and Income Documentation (Most recent paycheck, bank statement)
  • Personal references with phone numbers of references
  • Documents for collateral used to secure loan

Documentation requirements may vary, and a complete list will be provided during the application process.

Can I apply online?

Yes. You can begin the application process online by clicking the ‘Apply Now’ button. An employee from a local branch will contact you to complete the application and answer any questions.

How long does it take to get approved?

If a customer visits a Courtesy Finance branch with all required documentation, it can take as little as one hour to approve the application and fund the loan. In most cases, applications submitted online or by phone will be approved the same day if we receive the application by h2:00 pm. Loan applications submitted outside of business hours will be processed the next business day.

Will the interest rate on my loan change?

Every Courtesy Finance loan has a fixed interest rate that will not change during the term of the loan.

What is the interest rate or APR on a Courtesy Finance loan?

The interest rate and APR will vary based on the type of loan and repayment terms. Contact a local Courtesy Finance branch to discuss rates and loan options.

Does Courtesy Finance report to the Credit Bureau?

Yes. Courtesy Finance reports monthly to Equifax and TransUnion.

More questions? Let us help.

Apply Now

What is an installment loan?

An installment loan is any loan repaid with regularly scheduled payments. Courtesy Finance offers personal installment loans repaid in affordable monthly payments that are fixed for the term of the loan. Our loan terms can range from several months to much longer.

Does Courtesy Finance offer payday loans?

No. Courtesy Finance only offers personal installment loans. Payday loans are secured against a borrower’s next paycheck and generally must be repaid within several weeks. The high cost and short time to repayment can make it very difficult for most borrowers to pay off a payday loan. Courtesy Finance’s personal installment loans are repaid in equal, affordable monthly payments.

Does Courtesy Finance offer title pawns?

No. Courtesy Finance only offers personal installment loans. Most title pawns advance money based solely on the value of the vehicle collateral and must be repaid within 15-30 days. This approach means that title pawns are generally very expensive and difficult to pay off. Courtesy Finance looks at a customer’s financial situation and finds an affordable personal installment loan that meets their unique needs.

What loan amounts does Courtesy Finance offer?

Courtesy Finance offers loan amounts from around $500 up to $20,000.

What are loan decisions based on?

Loan decisions are based on a several factors including credit history, income, expenses, and availability and value of collateral. Courtesy Finance examines each customer’s situation, including their ability to repay a loan, and tries to find a loan that will meet their needs.

What items do I need to apply for a loan?

To complete a loan application, customers are required to provide several documents. These may include:
  • Picture ID with signature (driver’s license, state issued ID or passport)
  • Second form of ID (social security card, birth certificate)
  • Address verification (most recent power bill, water bill, etc.)
  • Employment and Income Documentation (Most recent paycheck, bank statement)
  • Personal references with phone numbers of references
  • Documents for collateral used to secure loan
Documentation requirements may vary, and a complete list will be provided during the application process.

Can I apply online?

Yes. You can begin the application process online by clicking the ‘Apply Now’ button. An employee from a local branch will contact you to complete the application and answer any questions.

How long does it take to get approved?

If a customer visits a Courtesy Finance branch with all required documentation, it can take as little as one hour to approve the application and fund the loan. In most cases, applications submitted online or by phone will be approved the same day if we receive the application by 2:00 pm. Loan applications submitted outside of business hours will be processed the next business day.

Will the interest rate on my loan change?

Every Courtesy Finance loan has a fixed interest rate that will not change during the term of the loan.

What is the interest rate or APR on a Courtesy Finance loan?

The interest rate and APR will vary based on the type of loan and repayment terms. Contact a local Courtesy Finance branch to discuss rates and loan options.

Does Courtesy Finance report to the Credit Bureau?

Yes. Courtesy Finance reports monthly to Equifax and TransUnion.

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Corporate Office
PO Box 501299
Atlanta GA 31150
(678) 461-5890
questions@courtesyfinance.net
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Not all applicants will qualify for a loan. Loan approval and terms depend on applicant’s ability to meet our credit criteria (including sufficient income, credit history, and availability of collateral).

GA locations: Courtesy Finance of Georgia LLC, NMLS #2034959.

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