Loan term flexibility FAQs
Frequently Asked Questions
Applying for a loan with American Credit Services is very easy. All we require is an open/active checking or savings account, a verifiable income, and a working phone number.
When you apply for a loan in our store we will let you know within minutes if you have been approved or not.
We will always do our very best to ensure that your loan due dates fall on, or right around your pay-dates.
American Credit Services has friendly customer service representatives that are available to help work out a payment arrangement that will work for you. We always practice a very professional, fair collection method and will never make you feel uncomfortable when working out a repayment plan.
Please see our individual loan pages under our services tab for more information regarding our payday and installment loans.
American Credit Services offers many different payment options so you can make the best decision on how you want to repay your loan. We accept cash, money order, cashiers check, credit cards and electronic withdrawal from your bank account otherwise known as an ACH.
American Credit Services offers Instalment Loans.
In the event that something unexpected comes up and your electronic withdrawal, or check, comes back returned unpaid, American Credit Services will charge a insufficient funds fee in the amount of $25.00 plus fees.
We will allow you to cancel your loan with us as long as you visit the branch, and pay us back the amount you borrowed within 24 hours of taking out your loan. After 24 hours has elapsed, you will be responsible for paying the amount you borrowed plus any fees that accrued on your account.
You may call any of our branch offices during our normal business hours to ask any question that you may have..