Frequently Asked Questions

Taking out a loan is a major financial decision, and we want our customers to be informed before applying for a loan with Longleaf Finance. Browse our frequently asked questions below or reach out to our team to learn more.

How Do I Apply for a Loan?

Our loan application process is simple. Just open the application on your computer or smartphone, answer a few questions, and submit your information. We’ll text you with an approval decision or a request for additional information. We can also help with your loan application over the phone.

What Does It Take to Get Approved for a Loan?

We consider payment history, income, and other factors to determine whether or not we can approve a loan, but we do not consider your credit score.

Why Don’t You Consider Credit Scores?

Credit scores are just a number, and they do not tell the whole story. Sometimes, you can find yourself in a temporary situation that hurts your credit score, but the overall payment history is still good. We always try to look at every applicant’s unique life story, and we think that makes us a better company.

Does It Cost Anything to Apply for a Loan?

No! It’s free to fill out an application with Longleaf Finance.

How Long Will It Take to Receive a Decision?

An approval decision is usually made within an hour. However, it can take longer if we need more information.

What Documents Do I Need to Apply for a Loan?

To apply, you’ll need your name, address, and Social Security number. Depending on the type of loan, you may also need tax returns and pay stubs.

What Can Personal Loans Be Used For?

Personal loans can be used for many reasons, such as vacations, wedding expenses, home improvement costs, and more.

What If My Credit Isn’t Perfect?

If your credit is less-than-stellar, you may still qualify for a loan. Tell us about your individual circumstances, because we understand that everyone goes through tough times.

How Do I Make a Payment?

You can make payments through your computer or smartphone using your bank account or your debit card. You can also pay by phone. Longleaf Finance never charges convenience fees for payments made online or by phone.

What If I Can’t Make a Payment on My Loan?

Communication is key. If you aren’t able to make a payment, please reach out immediately to speak to our team. Falling behind on your loan can have a negative impact on your credit score. The sooner you reach out, the better the chance we can help you get your loan back on track.

Longleaf Finance makes the loan application process so easy, you don’t even have to make a phone call. Get started now or call us at 601-348-2477 to apply for a loan by phone.