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To apply for a loan, you'll need a valid government-issued ID (driver's license, passport, or state ID), proof of income (recent pay stubs or bank statements), your Social Security number, and active checking account information. Additional documentation may be required based on your specific situation.

Loan Express may perform a soft credit check during the initial application process, which does not affect your credit score. If you proceed with a full loan application, we may conduct a hard credit inquiry, which could temporarily impact your credit score. However, timely repayment of your loan can positively affect your credit score in the long run.

Loan Express offers several convenient repayment options. The most common method is automatic withdrawal from your bank account on the due date. You can also make payments through our online portal, by phone, or by mailing a check. We send reminders before your payment is due to help you avoid any late fees.

Yes, Loan Express considers applications from individuals with less-than-perfect credit. While we do review credit history, we also consider other factors such as income stability and current financial situation. We offer various loan products designed for different credit profiles and are committed to helping customers find appropriate financial solutions.