Phone Application FAQ’s:

Is it faster to apply by phone?
The quickest way to get funding is to use our online application.

Is it safer to apply by phone?
No, actually the safest way to apply is using our secure encrypted online application.

When should I apply by phone?
You can apply online and by phone 24 hours a day.

What information should I have available when I call?
Be sure to have access to your current state ID and bank account information when you call or apply online.

What number should I call to apply by phone?
Please call 412-734-1944 .

APR

The loans made from this site are without fee, interest or cost (0.00% APR) during the borrower’s "grace period" (loan date thru next pay date, not to exceed 13 days). Loans can be extended beyond this "grace period" at borrower’s option, see Renewal Policy.

Renewal Policy

Should it become necessary for a loan term to exceed the "grace period", we provide borrowers an automatic renewal and access to low cost credit union provided funding (18% APR).

Collection Practices

Failure to repay a loan from Grace Period will result in adverse action being taken against borrower by Grace Period, Inc. and/or a third party collection organization. Collection practices will be in accordance with the principles of any applicable federal regulations at all times.

Implications of non-payment

Additional fees may apply in the event of borrower’s failure or delay in repayment of this loan to the extent they are allowed by law. Grace Period or its assigns may attempt to contact borrowers via one or more authorized methods including phone calls, emails and text to arrange for payment.

Potential impact to credit score:

Timely repayment of a loan may improve borrower’s credit scores. Unlike many other lenders, Grace Period’s credit union partner reports both positively and negatively to the credit bureaus with respect to loan status. Late or missed loan payments can negatively affect your credit score.

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