How It Works

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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.

Payday loans are a type of bad credit loan, meaning you don’t necessarily need good credit to qualify. While payday loans are not explicitly defined and are subject to variation, they generally refer to a loan that is usually short-term and high-cost. Generally, borrowers often use their payday as a due date to repay the lender, hence the name payday loan.

The online payday loan application process is simple. You’ll fill out the application on our site as completely as you can, and you’ll hear from us within an hour during business hours to find out if you’ve been approved or not. If you’ve been approved, a contract will be emailed to you. You will then e-sign the contract, send it back, and wait for the money to show up in your account. Your contract will clearly state your payment terms. Our Payday loans are paid off in one payment, usually on your next payday. Installment loan repayment is typically spread out over a period of time, which for us is a maximum of 7 months.

You won’t have to wait long! Nice Guys offers same-day payday loan approval and payment.

We provide many different options for loan repayment plans. You can pay it off in installments matching your pay days either weekly, bi-weekly, or up to 7 months. You can also choose to pay off your loan early with no fee!

Nice Guys rates and fees are among the lowest of any around. We charge just $15 per month for every $100 you borrow! Many loan companies charge an APR of 480-600%. At Nice Guys, our APR is much lower, at 255%. There are no application or early pay-off fees, and your rates will be even lower if you have good credit.

Payday loans are a good option for those who don’t have the best credit. In order to take out a payday loan, you must be at least 18 years old, have an ID, an active bank account, and proof of income, such as a bank statement or pay stub.

There are several reasons why your payday loan application could be denied. Some of them are:
-Not meeting the application requirements
-Not making enough money
-Being unable to prove income
-Not having a checking account
-Having other payday loans
-Overdrafts on your bank statements
-Poor credit score
-Not meeting the lender’s additional requirements

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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