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How It Works

How It Works

The loan process with Nice Guys is really simple. We’ve broken it down into 5 easy steps.

1

Fill out the APPLY NOW field found on the website.

2

Fill out the application as completely as you can.

3

Once you have filled out an application, we will contact you within an hour during business hours to tell you if you are approved or now.

4

If approved, a contract will be emailed to you. Just e-sign the contract and send it back, then wait for the money to show up in your account.

5

Your contract will clearly state your payment terms. When you apply, you can choose how long you want to take to pay the loan back (up to 7 months). Payments will usually match your pay days & can be weekly, bi-weekly or monthly. We will send you email reminders 2 days prior to each scheduled payment.

The loan process with Nice Guys is really simple. We’ve broken it down into 5 easy steps.

1
Fill out the APPLY NOW field found on the website.
2
Fill out the application as completely as you can.
3
Once you have filled out an application, we will contact you within an hour during business hours to tell you if you are approved or not.
4
If approved, a contract will be emailed to you. Just e-sign the contract and send it back, then wait for the money to show up in your account.
5
Your contract will clearly state your payment terms. When you apply, you can choose how long you want to take to pay the loan back (up to 7 months). Payments will usually match your pay days & can be weekly, bi-weekly or monthly. We will send you email reminders 2 days prior to each scheduled payment.

Once you have received your funds, the only thing left for you to do is to ensure your scheduled payments clear. You don’t have to worry about contacting us to make payments, as they are all automatically scheduled via ACH payments from your checking account or via Debit Card payment. If you need to skip a payment or want to refinance your loan, please contact us by 2pm the business day prior to your automatic payment.

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Want to pay early or having trouble making a payment?

We always here to help. Call 801-836-3333 or email us at support@niceguysloans.com

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FAQ for Payday Loans

Nice Guys is here to help when you need a convenient loan with reasonable rates. Check out the following frequently asked questions for payday loans so you can have the knowledge you need to move forward with the payday loan process.

We can skip payments, reschedule payments, or restructure delinquent accounts. Staying in contact is the best option to keep your account in good standing
We spread payments out over a period of up to 7 months, usually matching your pay days.
Up to $2,500, depending on your circumstances.
There are no origination fees.
Yes, you must be a resident of Utah to get a loan through us.
Terms depend on your circumstances. We generally try to match payments to your pay days, but we are flexible to your needs.
We don't report to the credit bureaus.
No, we understand if you had good credit, you wouldn't need us.
N/A as far as we're concerned.
No, as we don't report to the credit bureaus (unless the account is sent to collections).
N/A, not our business.
N/A, we don't report to the credit bureaus.
There are no fees to adjust your payment schedule. You only pay for how long you have the loan.
There are no fees. You only pay interest for how long you have the loan.
You can save significantly on interest by paying off early (no prepayment penalty). You only pay interest for how long you have the loan.
There is a $10 late fee for each late/missed payment.
Our rates are fixed & clearly shown on your contract, which you review & agree to, prior to funding.
Once we receive your online application, if during business hours, we generally get back to you via email within an hour. If after business hours, then the following business day.
Yes. Everything we do is online.
No. If you are approved, we will then ask for additional documents (pay stubs, driver's license, etc)--all of which can be emailed or faxed.
Our application process & website are secure. We have been in business over 12 years & are A+ rated by the Better Business Bureau (BBB) and the Utah Department of Financial Institutions.
Customer Support is available via phone from 9am-6pm Monday-Friday, & 10am-3pm on Saturdays. Emails & texts are usually monitored after hours as well.
Call/Text 801-836-3333 or email: support@niceguysloans.com.

Summary:

Applying for a loan can be an overwhelming process. We pride ourselves on making the process easier for you and always treating you with the respect that you deserve. Fill out a loan application with us today!

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