Frequently Asked Questions


General Information

  • Do you adhere to best practices for the industry?
    NCRU Financial Services adheres to the best practices concerning internet lending. We also recommend our customers take advantage of personal financial literacy education through organizations such as the Community Financial Education Foundation (CFEF) through their My Starting Point program or through Clarity Services with their Clarity for Consumers program.
  • Are you in compliance with applicable law?
    Yes, NCRU Financial Services is in compliance with all applicable Federal laws and Utah state laws that govern short term loans and installment loans.
  • Why is NCRU Financial Services better than other lenders?
    There are several reasons. Most importantly, NCRU Financial Services is licensed by the state of Utah. NCRU Financial Services works hard to get the money you need into your hands as soon as possible. We believe in transparency meaning that all terms of your loan are clearly disclosed. Other lenders can hide expensive fees and penalties from their customers. 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.
  • Do I have to have great credit?
    This is a great question. 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.
  • What does it mean to borrow money from a Utah State Licensed lender?
    Licensed lenders in the state of Utah are tightly regulated through the state's Division of Finance. Lenders are subjected to a host of consumer safeguards. Licensed lenders must conspicuously post rates and terms, while unlicensed online lenders may charge extremely high fees and interest rates with little to no government oversight. For more information about Utah State Licensed lenders, please visit the Utah State Division of Finance online.
  • Do Federal Laws apply?
    Yes. NCRU Financial Services is compliant with all applicable consumer finance Federal Laws of the United States of America, including guidelines proposed by the Consumer Finance Protection Bureau.
  • Do Individual State Laws apply?
    Licensed by the Utah Division of Finance, NCRU Financial Services is in compliance with all Utah state laws. Loans License (view).
  • What if I have a problem with my loan?
    If you feel there is a discrepancy between the consumer loan agreement and the treatment of your loan, please call 1-844-700-NCRU or email us at clientservices@NCRUFinancialServices.com.

    We will do our best to rectify the situation if there was any mistake made by us, our staff, or our vendors who provide important services in connection with our loans.
  • What legal rights do I have?
    You have the right to file disputes with the state of Utah. That said, we advise customers to contact us first at clientservices@NCRUFinancialServices.com - we have a professional Dispute Resolution process. We believe 99.9% of disputes can be resolved amicably even before going to the state.

    The dispute resolution mechanism is a fair process put in place to help customers contest any part of the loan agreement. Our trained dispute resolution team will work with you to first find an amicable resolution or settlement. We value our customers and want your experience with NCRU Financial Services to be outstanding. Our goal is to have you only think of us when the need arises.

Loan Information

  • What kind of loans do you offer?
    NCRU Financial Services offers consumer loans often used to cover unexpected expenses. These loans are broken into two categories:

    1) Payday Loans - A short-term, small-principal loan that is usually repaid upon your next payday.

    2) Installment Loans - A longer-term loan, usually with a higher principal amount, that is repaid gradually over approximately 18 months.
  • How much can I borrow?
    NCRU Financial Services offers loans up to $2,600. 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.
  • What is the cost of the loan?
    APR is the abbreviation of Annual Percentage Rate. APR is the true cost of borrowing money, expressed in a standardized form of a yearly measure to allow consumers to compare lending options. Please see the Rates & Terms section for detailed information.
  • 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.

    If your loan is finalized by 5:00 pm Eastern Time, you will generally receive your money electronically into your bank account the next business day.

    Please be advised that loans are not processed on weekends and bank holidays.
  • What if I want to repay my loan early?
    Loans can be repaid at any time without penalty. Please contact our customer service department if you wish to repay your loan early.
  • What if I change my mind and no longer want the loan?
    You have the ability to cancel your loan before 5:00 pm Central Time the next business day immediately following the disbursement date. Please contact our customer service department to discuss options.

Payment Information

  • How do I make payments on my loan?
    If your funds are deposited electronically into your bank account (ACH), payments will be debited from the same checking account. If you choose to make your payments directly, payments must be mailed to our office and received by your payment date. If a payment is not received by the scheduled payment date, the account may incur a late fee as provided for in the loan agreement.
  • How can I get a copy of my loan agreement?
    You should print out and save your loan documents once your loan is approved. However, we can send your documents via email. Please contact our customer service department to request your loan documents.
  • 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.
  • What if I'm late on a payment?
    We understand that life is unpredictable and from time to time you may miss a payment. If you miss one payment but have a history of making other payments on time, we will waive the late fee on a one-time basis as a way to say "thank you" for being a good customer. If you work with us, we will work with you.
  • What happens if I miss a payment?
    We will work with you to make sure you are able to pay back the loan. We report payment history to the credit bureaus and want to make sure you are able to access the loans you need. We do understand that financial challenges present themselves at times. If you need help setting up a payment plan, please call our Customer Service line 1-844-700-NCRU.

    However, if you fail to work with us on adjusting the loan and setting a payment plan, we will suspend your account and access to our loans. We will also be forced to report to several credit bureaus about your non-payment or refusal of payment. Please take this very seriously, as this will hurt your chances of getting credit from other lenders in the future. We will also be eligible to contract outside collection agencies (compliant with FDCPA).
  • How can I bring down the finance fees and the overall cost of the loan?
    The more information you give us to make us comfortable about your creditworthiness, the more flexibility we will be able to give you. You will be eligible for lower rates as you build a borrowing history with us. We are constantly offering promotions to reduce your rate. Just engage with us and keep an eye out for our communications!

Online Account Access

  • 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.
  • What type of bank account can I use?
    Currently, we only accept traditional checking accounts. The checking account must be registered under your own name. The checking account needs to be able to accept both ACH credits and debits. We do not currently accept prepaid card accounts.
  • Can I use my debit card to receive funding?
    In certain cases, yes we may be able to fund your loan directly onto your debit card. Please discuss this option with our customer support team at 1-844-700-NCRU to see if you qualify.
  • Why am I not receiving any emails from NCRU Financial Services regarding my loan?
    Please check your "SPAM" or "Junk" folder. If you still do not see it, please email us at clientservices@NCRUFinancialServices.com.