Personal Installment Loans
To apply, simply visit or call your closest Sunset Finance branch. Our team can take your application in person or over the phone.
Currently, we do not offer a full online loan application option. The quickest way to start the loan application process is to visit or contact your nearest branch directly. You can also submit your contact information through our “GET STARTED” website form, and a branch associate will contact you to continue the process.
Our loan approval process is quick and efficient. In many cases, you may be able to get approved the same day. Get started now or contact your local branch for specific details.
Yes, first-time borrowers are welcome to apply. Our loan experts can guide you through the application process and answer your questions. Stability and ability to repay are two of the factors we consider when reviewing loan applications.
Having less-than-perfect credit does not disqualify you for a loan. We consider several factors when making a loan decision, and your credit history is only part of the decision. We understand life can throw you a curveball. In fact, since we report credit, if we do make a loan, you may be able to improve your credit score by making on-time payments.
Yes, being self-employed does not automatically disqualify you. When making loan decisions, we consider several factors, including income and financial stability. Contact your local branch to find out what documents you may need to provide.
Yes, we use collateral to help secure your loan. Contact your local branch for what items can be used.
Loan amounts may vary depending on your state and individual qualifications, but our loan sizes typically range from $100 to $3,000. Part of our decision process includes reviewing your budget and what you can afford.
Payments vary based on the loan size, terms, and your specific situation. Contact your local branch to discuss payment options.
Yes, our installment loans are flexible and can be used for many needs, such as unexpected expenses, home repairs, holiday expenses, debt consolidation, or other personal expenses.
Loan Terms, Payments & Repayment
An installment loan is a loan with scheduled equal payments over a specified term. Your payment is generally the same each month, as long as payments are made on time.
We currently do not offer an online payment option. We can accept debit card payments over the phone, but there is a convenience fee for this option in our Georgia branches. Debit card payments made in person do not incur a convenience fee. We also accept traditional payment methods such as cash, checks, and money orders.
No, there is no penalty for repaying your installment loan early. In fact, paying early may help you save on interest costs.
We do not have a grace period. If you think you may have difficulty making a payment, contact your local branch as soon as possible. We may be able to work with you through temporary financial challenges. Late fees may apply after a certain time.
Having less-than-perfect credit does not disqualify you for a loan. We consider several factors when making a loan decision, and your credit history is only part of the decision. We understand life can throw you a curveball. In fact, since we report credit, if we do make a loan, you may be able to improve your credit score by making on-time payments.
Yes, we provide refinancing options. Contact your local branch for details.
To check the status of your loan application, contact your local branch. Our team will be happy to assist you.
Collateral & Identification
Yes, we use collateral to help secure your loan. Contact your local branch to learn what items may be accepted.
Yes, we make personal loans where we may record a lien on a title to help strengthen the loan. However, we do not make loans based solely on the value of a vehicle. Additional collateral is required.
We accept government-issued photo IDs, such as a driver’s license or state ID card, as valid identification for loan applications.
Credit Reporting
Yes. Making timely payments on your installment loan can positively impact your credit over time.
Tax Preparation Services
Yes, we offer free, no-obligation estimates on tax preparation. That way, you can decide if we are the right fit for your needs.
The fee can vary based on your personal tax situation. That is why we offer a free, no-obligation quote to all potential tax customers.
Required documents may include W-2s, 1099s, proof of income, and documents related to relevant deductions. Check with your local branch or one of our tax experts for a complete list based on your situation.
We offer free, no-obligation estimates for tax preparation. Qualifying customers may also benefit from a Tax Advance loan, which can allow you to receive money sooner once the IRS accepts your tax return.
Yes, we offer Tax Advance loans to qualifying customers, allowing you to receive money once the IRS accepts your tax return.
Financial Resources & Customer Information
Yes, we are committed to helping customers build financial knowledge. Visit our blog or resource center for tips and guides about budgeting, credit, and financial planning.
We take the security of your information seriously. Our branches follow strict privacy protocols. You can also review our Privacy Policy and Terms & Conditions for more information.
