Our application process is totally online. It allows us to process your application faster and get money to you sooner. The information we ask for is designed to satisfy the regulatory obligations we have without overburdening you with detailed requirements. It’s fast, easy, and convenient and typically takes just a few minutes.

You apply online via our website at www.enableloans.com. You can also access our service with any mobile device.

It is an online service and can receive loan applications 24/7.

To apply for a loan product, you must:

• Be of legal age to contract in your state of residence
• Be a US citizen or permanent resident
• Be a resident in the state where the product is offered
• Have a checking account
• Have a steady source of income
• Have a valid cell phone number and an active email address

You need to demonstrate a regular income stream to be eligible for a loan.

In most cases, we will carry out a soft credit check during the application process but that doesn’t mean that if you have had problems in the past, we’ll automatically reject your application. We’re more interested in your recent history and your current capacity to repay the loan.

We need to do a few things: we need to verify you are who you say you are; we need to do some basic credit enquiries; and we need to check you can afford the loan you’re asking for. In the past, this would take days to complete, however recent advances in technology have allowed us to carry out these enquiries totally online, in a secure manner. During the Application process we will ask to enter the following information:

• Your driver’s license number.
• A valid cell phone number.
• Your banking details.

Ultimately, this will help us ensure that you do not fall into difficulties in making the repayments due under a loan or incurring further costs and charges.

No person can access your internet banking details. When you enter your banking credentials on our website they are immediately encrypted. The encrypted details are stored in a highly secure data center which has a single use, to generate a read-only data-feed which we will use to assess the affordability of the loan.

As an organization, security of data and prevention of fraud are fundamental to us. Your internet banking details are encrypted and held securely by our professional service providers. Ourselves and our providers, Plaid and Decision Logic are permitted read-only access to your current account/s, so we’ll only ever be able to view your account/s. We do not have the ability to change any of your banking details or set up standing orders/direct debits. All data is securely handled in accordance with data protection laws and our privacy policy.

They will be used by us to make lending decisions about you and stored by us as long as necessary to assist us in managing your account.

We would recommend that you review the Terms and Conditions of your internet banking provider. Before you decide to submit your banking credentials, we stress that security is of paramount importance, we would especially mention that:

• Your data is encrypted in transit.
• We do not have any functionality over your bank account
• We only have access to a read-only service.

It typically takes just a few minutes, and an outcome is generally given within the hour during business days, and within a day, outside of business hours.

Enable Loans is an online business. If we need further information or you need to contact us, you can do this using the following details:

• Telephone: 888-704-3223
• Email: info@enableloans.com

After accepting your loan offer and successfully validating your debit card, funds are typically sent immediately* to the bank account linked to your debit card. There’s no need to wait for banks to process them – we’ve got you covered 24/7.

In the event you’re unable to validate your debit card, we’ll send funds to your bank account via ACH deposit. If approved before 11:30am CT, funds will generally be available the same day. Loans approved after 11:30am CT and on weekends are typically available by the next business day.

Due to the implementation of the Military Lending Act as of October 3rd, 2016 and limitations imposed by the law, we are unable to make loans to “Covered Borrowers”, a term which includes active duty members, their spouses and dependents.
Specifically, eligible borrowers must confirm they ARE NOT a member, or the spouse or dependent of a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, or serving on Active Guard and Reserve Duty. (Dependents include the members spouse, child under the age of eighteen years old or any individual for whom the member provided more than one-half of their financial support for 180 days preceding today’s date.)”

Our costs are straightforward and are shown in the Rates & Terms section of our website. Other fees and charges may apply in the case of late payment or default.

Importantly, contact us as soon as you realize you may have difficulty repaying us on time. There are additional changes as outlined on the Rates and Terms page that may be payable on outstanding balances.

Direct debits usually occur overnight or pursuant to your bank’s processes. We’ll usually try to schedule your repayment the day your salary or benefit is credited to your bank account.

• ACH
• Check
• Debit

If your payment is seven (7) or more days late, we may charge you a LATE PAYMENT FEE of $35.00

If you encounter difficulties in repaying your loan on the scheduled installment date(s), you can contact us to arrange a payment plan that meets your needs. Calling us as soon as you become aware of extenuating circumstances will help us rearrange your payment terms as efficiently as possible and help you avoid any late fees or insufficient fund fees.

If a payment is not made by your installment date, you will be subject to additional fees. If a payment is returned because there are insufficient funds on deposit, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $30. If any payment is late by seven days or more after the due date, then you will be responsible for an additional $35 late fee for each late payment. This is why it’s important to contact us if you anticipate any problems with your payment, and we will be happy to discuss alternative payment plan options. You can always revoke ACH authorization and make a payment by cashier’s check or money order. Please call ahead at least 2 business days before your payment date to arrange an alternate form of payment to avoid any NSF fees and/or late fees.

Yes, you can. There are no early payment penalty fees or charges, and you may even be eligible for a discounted payoff amount.

Yes, you can. If you have repaid your previous loan, there may be benefits as a repeat customer, including larger loan amounts up to $2,000 and longer repayment terms.

Your privacy and security is important to us. We employ the same standards as banks and other online payment companies to ensure that your financial information is safe and secure.

All information is entered through a Secure Socket Layer (SSL), which means an encrypted connection is created between your system and ours so that any information passed between us is secure.

Only if we specifically ask if it’s OK and you agree to it.

Only information that is essential for us to do business with you.

No, we are an online service only.

While we strive to provide you with the best service in the industry, sometimes things don’t go as planned. If you choose to make a complaint to us, please call or email us at: Email: info@enableloans.com Telephone: (888) 704-3223 We’ll reply to your complaint within 48 hours either requesting further information and/or setting out a process and timeframe to resolve it. We’ll also provide you regular updates so you know it is being acted on.