Loan Qualifications

QUALIFYING FOR A LOAN
Answers to your questions

Q: What if I don’t have credit?
A: We help people without credit every day. Just give one of our team members your information and they will do everything they can to get your loan approved.

Q: Do I have to have a bank account?
A: No, we do not require a bank account. We are not a payday lender and our loans are less costly.

Q: Do you have to run a credit report?
A: Because your credit is just one part of what helps us determine the loan that we give you, it is necessary for us to run a credit report.

Q: How much money do I have to make to qualify for a loan?
A: There is not always an income level requirement. At IIC Finance, we do not want to burden you with a payment you cannot afford to make.

Q: What if I have had credit problems in the past?
A: We consider ourselves experts in helping individuals with past credit issues. Our IIC Finance team members will get to know your situation and do everything we can to help you re-establish your credit.

Q: My application was turned down. How do I find out the reasons for this decision?
A: If your application was turned down, you will receive a letter by physical mail explaining the reasons behind the decision. You can also contact the branch location that processed your application for an explanation.

Q: What kind of collateral do you require to secure my loan?
A: The good news is IIC Finance does not require any security to obtain a loan. All our loans are unsecured.

Fairness in Lending Policy

Fair and responsible lending is an IIC Finance value. It is our policy to treat you with professionalism, respect, courtesy and fairness.

Last Minute Summer Getaway

Plan a last-minute summer getaway for your family or a vacation for yourself. IIC Finance has the loans for any situation.