Thomas, Ahnell, Laraway & Smith, LLC
Term Loans:
Time of Funding: Customer funded directly in 48 hours after they accept the terms of the loan
Pre-approval time: In minutes
Loan Amounts: Up to $25,000, based on customer credit profile
Terms: 3 or 5 years (36 or 60 months)
Rates: As low as 6.44% up to 30% based on customer’s FICO score
FICO Scores: Minimum of 620 FICO required for approval of this option
0% Interest:
Type of loan: Multiple credit card options are available, all being offered through our firm as the sponsor of the program
Pre-approval time: In minutes
Loan Amounts: Up to $25,000, based on customer credit profile
Terms: Revolving credit card
Rates: 0% for 12, 15, or 21 months and then interest rates between 10.9% and 21.9% On any unpaid balance—NO default rates back to date of purchase
Receipt of Cards: 5-7 business days for the customer to receive their credit card
FICO Scores: 640+ for 12 and 14 month options—680+ for 21 month option
Custom Funds Program:
(An option for those individuals with less than perfect credit)
Pre-approval time: In minutes
Loan Amounts: $10,000 maximum per person
Term: Length of repayment will vary based on customer credit
Rates: 18% up to 36%
Credit Scores: Uses Vantage Score and NOT FICO—ability to repay based on Vantage Score and ability to repay loan
*All programs are available to our clients with approved credit, but are not guaranteed issue