Frequently Asked Questions
You Ask, We Answer
Here’s where you’ll find all the answers to your questions. Still can’t find the answer you’re looking for? Don’t hesitate to call 888-599-5077 to speak to one of our friendly customer service representatives, or contact us online.
Can I apply for a loan from GoCredit.me if I have less-than-perfect credit?
Yes, less than perfect credit will not prevent you from qualifying for a loan from GoCredit.me. Even if you have been turned down by other lenders, GoCredit.me may be able to assist you in obtaining a credit option that fits your needs.
What Documents Are needed to Apply for a loan?
Please have the following ready when applying for a loan in-store and online:
- • Valid Driver’s License/State ID
- • Current Bank Statement tied to your direct deposit – 30 days of transactions
- • Pay Stub (most recent) OR Benefits Letter (most recent)
Proof-of-income may include a government benefits award letter with a recent bank statement displaying proof of direct deposits within the last 30 days.
How can I participate in the Refer-A-Friend Program?
We know you’ll be thrilled with our savings and installment loans. And we’ll give you $50 for every friend, family member or co-worker you refer to GoCredit.me. We’ll even give your friend $25 when they get approved for a loan. Restrictions may apply.
- Copy the customized link in the customer portal and share it with your friends!
- They apply for a loan using your portal link or by providing your name or Referral ID number.
- If approved, you will receive up to $50 and they will get up to $25 credit towards their new loan.*
*Restrictions may apply. Referring customer name or ID number must be presented at time of new loan origination in order to be eligible. Checks may be issued instead of cash. Offer is subject to termination at any time.
How will I know when I have been approved for a loan?
GoCredit.me online applicants will receive an email notification when approved; In-store applicants will receive approval immediately in most cases.
Will I receive emails and/or text messages from GoCredit.me?
GoCredit.me uses email and text communications to keep you informed of your loan approval, payment reminders, promotions, events and more. It’s very important that you receive all email communication from GoCredit.me concerning your account.
To ensure you receive important emails from GoCredit.me please add our email address, cs@gocredit.me to your address book as a trusted contact.
What is a Credit Builder Loan?
A GoCredit.me credit builder loan is an installment loan that is paid back through a series of payments, helping you build your credit history. While making payments, the customer savings component will grow with interest. This component will remain secure until you finish your payments, then that money will be transferred to you within 15 days.
How much money can I receive from GoCredit.me?
The amount you’re approved for is based on information you provide in your GoCredit.me application.
There are also state-mandated loan amount limits. Please visit your State page to view loan Rates & Terms.
Is Same Day Funding Available?
When you complete your application before 1:30pm CST with all required documents, underwriting approval and signatures, you are eligible to receive your cash the same day. Restrictions may apply.
What are my repayment options?
You can take advantage of the following repayment options:
- Installment Payments: You may pay back your loan principal plus accrued fees through a number of scheduled payments made over the loan term.
- Full Payment: You may pay back your loan in full at any time without any prepayment charges.
- Early or Partial Payment: You may make an early or partial principal payment on your loan at any time with no prepayment penalties.
What is the finance charge?
If you currently have an active loan please contact our Customer Service Team via email at cs@gocredit.me or by phone at 888-599-5077.
Please see our Rates & Terms pages by state for more info.
How do I change my GoCredit.me password?
To update your GoCredit.me password, follow these steps:
- • Log into your GoCredit.me online customer portal account
- • Under "MANAGE ACCOUNT", select "CHANGE PASSWORD"
- • Type in your current and new passwords and select "NEXT". Your password is now updated.
How do I update my bank information with GoCredit.me?
Please be prepared to fax, text, or email a copy or photo of a voided check or bank statement from your new bank account. Also, if you are submitting a voided check, please do not submit starter checks, as we do not accept these as valid proof of bank information.
How do I update my employer information with GoCredit.me?
To update your employer information with GoCredit.me, please call 888-599-5077.
How do I update my GoCredit.me customer profile?
To update your GoCredit.me account information, please call 888-599-5077.
What if I forgot my GoCredit.me password?
What if I forgot my GoCredit.me password?
- • Click the "Forgot Password" link under the customer login section in the top right corner of the website
- • Please enter your username or email address and click "Next".
- • Select your preferred communication method and select "Next". You will be sent a unique PIN that will allow you to reset your GoCredit.me password.
What if I forgot my GoCredit.me username?
- Please click on the "Forgot Username" link and fill in the form and click "Send Message".
- OR you can call 888-599-5077 to reset or retrieve your GoCredit.me GoCredit.me username.
*Hint – Your username may be your email address.
How do I provide payment information to the GoCredit.me Customer Support Department?
Please call 888-599-5077 to speak with a representative. Do not email or fax any credit card or bank information to our Customer Support Department.
What if I do not have the money in my bank account to satisfy my upcoming payment?
You must contact us immediately to set up payment arrangements. If your debit is returned unpaid from the bank for any reason, we will initiate recovery procedures immediately.
How do I change my AmeriCash Loans password?
If you currently have an active loan with AmeriCash Loans, please call 888-907-4227 or email cs@americashloans.net
Here’s where you’ll find all the answers to your questions. Still can’t find the answer you’re looking for? Don’t hesitate to call 888-907-4227 to speak to one of our friendly customer service representatives, or contact us online.
How do I update my employer information with AmeriCash Loans?
How do I update my AmeriCash Loans customer profile?
