What is a personal loan and what can I use it for?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the cash you need! Once you fill out our online form, if a lender is available, you can receive money as fast as next business day.
PockBox can also connect you with cash advance providers who can quickly give you access to up to $500 with no interest and no credit check.
How do you protect my privacy and personal information?
When transmitting your personal information to our lender network, we ensure the highest safety of your personal information. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at PockBox.
Are there any fees?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the cash you need! Once you fill out our form online, if approved, you can receive cash as fast as next business day.
How fast can I get the money?
While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get money until the next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lenders in our network, you can receive the cash for your emergency in as little as 1 business day and resolve your short term cash problem in no time!
Do I have to go into a store or wait in line?
Entering your information on PockBox is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire process without going into a store and waiting in embarrassing lines. The process is easy and private.
Do I qualify for this personal loan?
In order to qualify for a personal loan via PockBox you generally need to be employed or have a regular source of income, earn at least $800 per month, be 18 years of age or older, and be a US citizen. Please note that filling out our online form does not guarantee approval. Approval decisions will still be at the lenders’ discretion.
Many cash advance apps available through PockBox do not perform a credit check.
Do I have to go into a store or wait in line?
Absolutely not. You can fill out our application from the comfort of your home desktop, laptop, smart phone, or tablet. The entire process is easy, private, and only takes a few minutes to complete.
How long does it take to pay back a personal loan?
The amount of time you have to pay back a loan varies from lender to lender. If your repayment period is longer, your monthly payment could be less expensive than if it were a shorter time period. However, longer term loans may have higher total interest costs. You can use the Annual Percentage Rate of a loan offer to compare the cost of different options on an apples-to-apples basis.
Can you pay off a personal loan early?
Typically, you can pay off a personal loan early with no prepayment penalties or fees. However, you should confirm the terms and conditions with your lender, as some lenders may have associated fees for early payoff of personal loans.
What if I have questions about my loan?
PockBox is a matching service and cannot provide additional information about your loan offer or loan; your lender will provide you with ways to contact them for customer service. If you have questions about our services, please write to us at info@pockbox.com.
