How much may I get? First time borrowers may qualify up to $1,500 and returning customers may qualify up to $5,000 How does the process work? Once an online application is submitted, we will verify the information and then notify you through email whether you are approved or not. When the verification process is complete, you’ll be offered what you qualify for and will be requested to electronically sign your loan agreement to finalize the loan offer. How do I qualify for a loan? Be at least 21 years old Receive consistent income from a reliable source Have a checking account Has not nor plans to file for bankruptcy How soon do I get my money? Applications that are approved prior to 10:30 am CST are typically funded on the same business day. Applications that are approved prior to 7:30 pm CST are typically funded within the next business day. What type of bank account do I need? An open checking account that is in good standing and is set up to receive direct deposits. When will my loan be due? Your loan will be paid off through a series of weekly, bi-weekly, or semi-monthly payments align with your income deposit dates over the period of one year. How do I make payments on my loan? The most common method of payment is electronic payment scheduled on the payment due dates set forth on the Payment Schedule in your loan agreement. This is the most convenient method as you will not have to worry about ensuring timely delivery of loan payments to us. Alternative payment arrangements may be made as further detailed in your loan agreement. What if I can’t make a payment? If you know you will not have enough funds available on the date a payment is due, please contact us no later than 3 business days prior to the payment date so the appropriate arrangements can be made for your account. What if I changed my mind about the loan? If you are no longer in need the loan, you have 24 hours after funds are deposited into your account to reverse the loan. Please contact us as soon as possible so we can guide you through this process. What is the difference between installment loans and payday loans? The application process for a payday loan and installment loan are similar, however, where they differ is the terms in which the loan is paid back. Payday loans are expected to be paid in full on your next pay date, and installment loans allow customers to pay back their loan over a period of time with fixed payments. Didn’t find the answer you were looking for? The West Side Lending customer service team is here to help! Whether you are a current or future customer, don’t hesitate to reach out with any questions or concerns you may have. Contact Us