Loans

Yes, you can use a debt consolidation personal loan for high-interest debt. A World Finance personal loan can be used to manage high-interest loans and other revolving lines of credit, by using your World personal loan proceeds to pay off those debts, reducing your payments to a single loan with fixed monthly payments.

Yes, you can use a debt consolidation personal loan for credit card debt. A World Finance personal loan can be used to manage high-interest loans and other revolving lines of credit, combining them into a single loan with fixed monthly payments.

A debt consolidation loan is a personal loan that can be used to combine existing debts into a single loan with fixed monthly payments. After the application and approval process, you can get your funds as soon as the same day. Then, you can use the funds to pay down or pay off other higher-interest debt (like credit cards, payday loans, or title loans).

A credit check is required during the process. When you submit your application, we do a soft check, which does not affect your credit score. A soft check allows us to peek at your credit score. During approval, we do a hard check, which does affect your credit score. A hard check will let the credit bureaus know that your credit history is about to change.

With the right attention and management, a personal loan can help to establish, build, and maintain good credit. This happens through consistent, on-time payments, and our regular reporting to all 3 credit bureaus

We work with you to find the right loan terms and fixed rate for your budget. A personal loan with World Finance is an affordable way to build credit over time through consistent, on-time payments.

Payday loans come with an expectation to repay in one, large payment (typically when you get your next paycheck). They also come with high, inconsistent rates. There is also no credit reporting with a payday loan, which means there's no chance to improve your credit through repayment.

With the right attention and management, a loan to build credit can help to establish, build, and maintain good credit. This happens through consistent, on-time payments, and our regular reporting to all 3 credit bureaus.

Yes, you can start your application online. It only takes a few moments to fill out the form. Once you submit it, we’ll reach out to you with next steps – which include a visit to your local branch. The application and loan approval process is fast, easy, and funding typically takes about an hour.

A credit check is required during the process. When you submit your application, we do a soft check, which does not affect your credit score. A soft check allows us to peek at your credit score. During approval, we do a hard check, which does affect your credit score. A hard check will let the credit bureaus know that your credit history is about to change.

Approval for emergency funds can happen as soon as same day. When you get approved for a World Finance loan, you can get your money by check or direct funds to your debit card. Typically, your loan can be funded in about an hour.

Payday loans come with an expectation to repay in one, large payment (typically when you get your next paycheck). They also come with high, inconsistent rates. There is also no credit reporting with a payday loan, which means there's no chance to improve your credit through repayment. Our loans for emergencies comes with a manageable payment schedule with flexible terms. And since we report to all 3 credit bureaus, you could rebuild your credit through positive payment behavior.