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Frequently Asked Questions

How Much Money Can I Borrow?

At Nation 21, you can request loans as large as $25,000. The final amount will be determined by your company based on your income, credit history, job information, and other factors. If you have borrowed from a lender before, this may increase the amount you qualify for on subsequent loan requests.

Applying does NOT affect

your FICO® credit score!

How Many Loans Can I Get?

You may apply for more than one loan at a time, but Nation 21 recommends that you borrow only the amount you need. We strongly encourage you to borrow responsibly, i.e. take out one loan at a time and repay it, before taking out another.

Nation 21 may connect you to several lenders and therefore you can apply for more than one loan with the different lenders. It is also beneficial for you to borrow consistently from one client in order to improve your ratings and subsequently increase the amount that you are allowed to borrow. Some lenders may allow you to take more than one type of loan at a time.

What Are the Qualifications Necessary for a Loan?

In general, our lenders require the following minimum qualifications:

  • Be a resident of the United States
  • Possess an active checking account
  • Have a job with a minimum income of $2,000 a month

We offer quick cash loans to customers with all types of credit, but a higher credit rating may improve chances of approval as well as the terms of available loans. Each lending institution has its own criteria for approval.

Can I Still Get a Loan with Bad Credit?

Yes. We specialize in offering loans to borrowers of all types, including those with bad credit. Our lending partners will examine your credit history, but that is only one factor in determining approval.

Applying does NOT affect

your FICO® credit score!

Do you serve non-US customers?

At the moment, Nation 21’s network consists of Lenders in the United States and by extension US citizens only. In the future, however, we may include international lenders in our network to enable us to serve an international clientele.

Why Don’t We Provide Exact Rates and Terms?

We help borrowers find lenders willing to give money to them. While we use our strong relationships with our lending partners to help find the right choice for you, we do not offer money ourselves. The terms of any offer—which include APR, repayment period, and amount—are determined by the lender. You will find these specific terms in the loan documents that the lender sends you upon approval.

How Will I Know If I Am Approved?

Once you submit your online application at our website, you should receive a response from lenders within minutes. If you have been approved, you will be redirected to your companies’ website automatically. If we can’t match you with a lender, you can still find loans or credit through many of our online financial partners that we can share with you.

Do I Have to Have a Job to Get a Loan?

While the qualifications differ among the lenders, most of them require you to have a steady job earning at least $2000 per month. However, if you can prove an alternative source of income that would help you repay the loan, you will often be declared eligible. Our lenders will also consider special statuses like Self-Employed, Disability Income, Social Security Income, or Pension. Also, some jobs such as a serving in the military may limit you from accessing some loans.

How and when do I repay the loan?

The lenders in our system have online systems that make it possible for you to repay the loan through electronic money transfer. The automatic withdrawal of cash directly from your account is beneficial to you because it minimizes cases of late repayments. Some also accept payments over the phone. Most of the lenders have monthly or fortnightly payment schedules.

The paying schedule is one of the key determinants of the loan rates, the period of time it will take you to pay the loan, and, ultimately, the overall amount you repay. It is, therefore, important for you to pay particular attention to it.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?