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Frequently Asked Questions about Customer Finance

How does the loan application and funding process work?

customer finance process

 • Customer finance applicant visits your link to complete an application.
• Applicant  receives an eligibility decision on their personal loan.
• Qualified applicants receive an offer (e.g., Annual Percentage Rate (APR), term options, and monthly payment amount) based on their loan amount
and application information.
• Qualified applicants choosing to proceed select an offer (e.g., APR and term).
• Qualified applicants may then be asked to provide additional information to finalize their application.
• Upon loan funding, the money will be deposited into the applicant’s bank account - usually within 48- 72hrs (but can be as fast as 24hrs). 

What are the loan amounts and terms available?

customer finance loan terms

• Loan APRs start at 5.99% depending on loan amount and creditworthiness.
• Loan terms can go up to 6 years (72 months) with some lenders.
• These loans are offered with no penalty for paying off early.  

Who is eligible for a loan?

customer finance eligibility

 • U.S. Citizens and/or legal residents over the age of 18 with a U.S. bank account. 

How soon do borrowers receive their money?

customer finance

 • Customer finance personal loans could be available to your customer within 24-72hrs. 

Are there any fees for my customers?

customer finance fes

There can be. Borrowers may pay an origination fee which is typically between 0% and 6% and is deducted before the loan is funded into a borrower’s bank account.

If a monthly payment is late, the borrower may be charged a late fee.

Some lenders have no fees and those lenders are clearly marked as "no fee" on the borrower's offers page.  

What is the verification process?

customer fiane

 • Some applicants may be required to submit additional documentation or proof of income such as a W-2,  1099, or tax return in order to verify their income and eligibility. 

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VMCpayments is always happy to be helpful to veteran-owned businesses!

Atlanta, GA USA

(404) 642-0959



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