Why Choose NCRU Financial Services?

  • Emergency Cash when you need it most.
    A short-term loan can help you and your family meet unexpected expenses or simply get you through to the next paycheck. Short-term loans can also help you avoid late fees, utility reconnect fees, and bank overdraft charges.
  • Lightning fast approvals.
    After completing our fast online application form, you will receive an immediate response. If your loan application has been approved, we will guide you step-by-step until the money is deposited into your bank account.
  • No FICO score check when applying.
    NCRU Financial Services is an option for people with all credit types. Unlike traditional loans, our short-term loan application does not require a credit check. We will verify your employment and banking information.
  • Funds usually available next day.
    Fully approved and verified applications are typically funded the next business day. Some loans may be eligible for same day funding! Please make sure you are available via phone and email in the event more information is required.

Frequently Asked Questions

  • What kind of loans do you offer?
    NCRU Financial Services offers short term consumer loans often used to cover unexpected expenses. These loans are not intended to meet long-term financial needs.
  • How much can I borrow?
    NCRU Financial Services offers loans up to $1,000. The actual amount of your loan is contingent on many factors and is based on a judgment of how much you can afford to borrow and your ability to pay back the loan?
  • Do I need to have great credit?
    NCRU Financial Services is an option for all credit types. We are not like the local banks that are only lend to a select few. However, we do believe you should be able to afford a loan with us, and we will evaluate your ability to pay the money back. We will look at your banking history and verify your employment in order to help us make a decision. If everything checks out, we are happy to work with you! We do not discriminate.
  • When will I receive my loan?
    Once you submit an application, you will hear from us within one (1) business day. Please make sure you are available via phone and email in order to finalize your loan documents or to provide any additional information necessary to evaluate your application. The faster we can reach you, the faster we can process your loan.

    Loan applications fully verified and approved by 5pm Eastern Time are typically funded the next business day excluding bank holidays. Some loans may be eligible for same day funding. Loans are not processed on weekends and bank holidays.
  • Why is NCRU Financial Services better than other lenders?
    There are several reasons. Most importantly, NCRU Financial Services works hard to get the money you need into your hands as soon as possible. We believe in transparency meaning NCRU Financial Services will never charge you any "hidden fees" not fully disclosed in the Loan Agreement or the Loan Cost & Terms. NCRU Financial Services provides its customers with outstanding customer service. Our representatives can be reached anytime during business hours to make sure you are well taken care of. We also offer many ways to save on finance fees and earn rewards for good financial behavior.
  • Is my personal information secure?
    We use the highest industry standards of encryption to protect your data. We constantly test our system for vulnerabilities against hacks and other malicious virus attacks. You will have a secure login to access your account.
  • How can I contact you?
    The NCRU Financial Services customer service department is available Monday through Friday from 8:00 a.m. through 5:00 p.m. Central Time. Our telephone number is 1-844-700-NCRU. You may also contact us via email at clientservices@NCRUFinancialServices.com or via regular mail at 40 East Main Street, Suite 147, Newark, DE. Please note that we are closed on weekends and holidays.

For a comprehensive list of FAQs, please click here.