FAQ

If you’ve ever taken out a loan for a car or bought a home, you’re already familiar with the concept. An installment loan involves a set number of fixed payments due at regular intervals. For instance, an installment loan for a car might require the borrower to pay $400 on the 15th of every month until the balance is paid in full.

Rather than multiple payments scheduled over a period of time, payday loans are typically repaid with one payment due when the borrower receives his or her next paycheck. Payment is made in the form of a post-dated check or automatically withdrawn from the borrower’s bank account. Payday loans are very short-term, usually 30 days or less. Short-term installment loans are usually repaid over a matter of weeks or months.

Qualifying for a short-term installment loan from Fineday Funds is easier than you might think. If you meet the minimum requirements listed below, it’s more than likely we’ll be able to provide the funding you need.

• Receive regular income
• Are at least 18-years-old and a U.S. citizen
• Have an active checking account
• Are not actively serving in the military or a dependent of someone actively serving in the military.

* Other requirements may apply.

No! Fineday Funds can help borrowers with good credit, bad credit, and no credit. We understand that you may have had credit troubles in the past, but we’re here to help get you back on track.

One of our Lending Specialists will contact you and/or you’ll receive an email notification with further information about completing the loan process.

The maximum amount available to qualified first-time borrowers is 2,000 dollars. Qualified repeat clients can borrow up to 2,500 dollars.

Applications processed and approved before 6:00 p.m. CST Monday–Friday are typically funded on the next business day. Generally, a business day means Monday through Friday, excluding federal holidays. If you require funds on the current business day, you may request Real-Time Funding* by calling 844-941-0035. If you apply for a loan online through our account portal, Real-Time Funding will be automatically applied if your loan is approved on a weekday after our 6:00 p.m. CST same-day ACH cutoff or anytime on Saturday or Sunday. If Real-Time Funding is not available or your institution cannot process a same-day transaction, we will use the next fastest funding method.

*Real-Time Funding Disclaimer: While Real-Time Funding allows for immediate access to your funds, Real-Time Funding may be limited by banking factors. Even if you are eligible, the exact time your funds appear in your account may vary depending on your bank’s processing times. Fineday Funds does not charge a fee for Real-Time Funding. Please check with your banking institution regarding any fees they may charge.

To ensure your funding is delivered as quickly as possible, look for and respond to your confirmation email in a timely manner, as it contains your username and password. If you don’t see your confirmation email, check your spam folder. If you are still unable to locate the email, call Client Services at 844-941-0035 for assistance.

Fineday Funds transacts all our loans via our SSL server, utilizing the industry’s highest physical and digital security standards. Please review our privacy policy for more information.

Fineday Funds charges a $30 late fee for any payment that is late three or more days and a $30 NSF fee per payment source when that payment is returned due to insufficient funds or not honored by the customer’s financial institution for any reason. Customers will not incur multiple NSF fees on the same payment source for any given payment attempt and representments not authorized by the customer.

Details of your specific payment amounts, payment dates, APR, and specific fee information are included in your loan agreement. You can review and download copies of your documents at any time during the life of your loan by logging into your account.

Your loan agreement includes a payment schedule detailing amounts and due dates. You are strongly encouraged to pay off your loan as quickly as possible, as Fineday does not charge any early payoff penalties or fees, and it will reduce the overall cost of your loan. Please call Client Services for assistance with early payoffs: 844-941-0035.

For your convenience, you can have your payments withdrawn directly from your bank account. You can also send a cashier’s check or money order to Fineday Funds, P.O. Box 457, Keshena, WI 54135. Contact our Client Services Team at 844-941-0035 if you have questions about your payments.

If you are unable to make a scheduled payment on time, please contact us as soon as possible to request a three-day courtesy extension. There is no additional fee for this extension, but it is only available once during the life of your loan.

Fineday Funds abides by federal laws and regulations as incorporated by the Menominee Indian Tribe of Wisconsin.

The best way to minimize the cost of your loan is to pay the loan off early. You can do this by making extra payments toward your principal or by paying off the entire balance early. Fineday does not charge any prepayment penalties. You can also pay down your principal loan balance using claimed Brilliant Rewards points. To make extra payments, log into your account and select ” Payment Options,” or call us at 844-941-0035 for assistance.

To exercise your Right to Cancel, you have until 3:00 p.m. CST the second business day after your “Disbursement Date” to begin the process of returning the funds interest-free. Keep in mind that your Disbursement Date is the date funds were transferred to your financial institution. This may not be the same date your bank makes those funds available to you, so please call us at 844-941-0035 as soon as possible if you want to cancel your loan. If you miss the Right to Cancel deadline, you can still pay off your loan early without penalties and pay only the interest you’ve accrued up to your payoff date.