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We're available Monday - Friday from 8am - 6pm Eastern Time. We'd love to answer any questions you might have.

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frequently asked questions

how loans from BestChoice123.com work

what do i need to apply for a loan?

You must be at least 18 years old (19 if residing in AL or NE) and have:

  1. A job or proven source of income
  2. An email address
  3. A checking account in good standing -- no returned checks, overdraft charges, negative account balances or nonsufficient fund transactions in the past 30 days.
All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it's quick and hassle-free.

how much may i borrow?

If this is your first loan from BestChoice123.com, you could qualify for up to $1,000. Returning customers that remain in good standing and after certain successful payments can qualify for future loans up to $3,000.

how soon will i get my money?

If your application is approved and verified by 6 p.m. ET, we can electronically deposit your loan proceeds into your account as early as the next banking business day.

how much does my loan cost?

Your loan's total cost depends upon the amount that you're approved for and your payment history. For example, the Annual Percentage Rate (APR) for a first time loan of $250 is 784.75% with bi-weekly payments of $95.25 ($75.25 finance charge + $20 principal). Returning customers with a successful payment history can qualify for ever lower rates.

do you provide a loan matching service?

Yes. If we are unable to provide you a loan, we can help find you another lender. You can opt-in to this free service by checking the appropriate box on your application.

payment options

what happens if i don't make my loan payment by the due date?

It is your responsibility to make your loan payment by the due date. The good news is we make it easy for you to avoid this situation. You can schedule automatic electronic payments from your checking account or provide payment in one of the following forms (check, Money Gram, money order, or credit card). If you do make a late payment, skip a payment, or a payment is returned to us, you may incur additional fees.

If you are unable to make your scheduled payment, please contact Customer Support.

what are my payment options?

Unlike many traditional banks, at BestChoice123.com, you have the choice of paying off your loan over several installments, or all at once at any time - without penalties.

We structure our loans so that payments are typically around $2 a day for every $100 you borrow.

For example, the Annual Percentage Rate (APR) for a first time loan of $250 is 784.75% with bi-weekly payments of $95.25 ($75.25 finance charge + $20 principal). Returning customers with a successful payment history can qualify for ever lower rates. For your convenience, we link your loan payment dates to your pay dates.

application

how will i know when my application is approved?

You won't have to wait long. After you submit your online application, your results will be available in a matter of seconds. If conditionally approved, subject to verification of your application information, you will be able to request how much you want to borrow up to your maximum approved amount. In the event we are unable to approve your application for credit, we'll notify you with the reason for denial.

security

how do you protect my personal information?

We understand that you might have some reservations about providing us with your personal information in applying for a loan online. Keeping your financial and personal information secure and confidential is one of our most important responsibilities. BestChoice123.com has taken a number of measures to keep our process completely confidential and secure. Due to limited space, we won't go into the details here, but we encourage you to review the details in our Security page. And, of course, if you have additional unanswered questions, please contact us.

BestChoice123.com is a short-term, small-dollar lender owned by the Guidiville Band of Pomo Indians, a sovereign nation located within the United States of America, and is operated within the Tribe's Reservation.