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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

310-LOAN's pay off


Repayment of loan

Paying off your loan assumes withdrawal of the sum of your original debt plus interest from your bank account. So, it is important to have sufficient funds in your account by the due date. Your loan documents will contain information about the repayment period.

Failed loan repayment may result in fees and penalties. Payments returned by your financial organization may result in a one-time NSF fee. Moreover, the interest of up to 30% will accrue on an unpaid balance.

Conditions of loan extension

310-LOAN does not provide information on the terms of the loan extension on the website. If you doubt about making payments by the due date, reach out to 310-LOAN customer support on this issue:

1-800-310-LOAN (5626)

Early payoff

310-LOAN does not specifically describe the conditions for paying off your debt early. Nevertheless, one of their blog posts states that payday loans hardly have early repayment penalties. A lender charges a borrower a fee, and this fee remains the same regardless of whether you repay the debt in advance or on the due date. Therefore, there is no way to ease the financial burden here. The only tip on how to pay more efficiently is to ensure you have sufficient funds in your bank account by the due date.

Most likely, these conditions apply to loans from 310-LOAN. Still, it doesn’t hurt to clarify this issue with their support team before applying for a loan: and 1-800-310-LOAN (5626)


How do I make a payment on 310-LOAN?

To repay your loan from 310-LOAN, make sure there are sufficient funds in your bank account. Your loan documents will contain information about the due date for repayment. Paying off the loan involves automatic withdrawal of the sum of debt and interest from your account.

What happens if you don't pay back 310-LOAN?

A missed payment will result in additional fees. If your financial institution returns a payment, your overdue loan may be subject to a one-time NSF fee. Besides, there is an interest of up to 30% on any unpaid balance. Failure to pay your loan back makes you ineligible to apply for a new loan. In addition to that, 310-LOAN may close your account and pass your outstanding loan to a third-party collections agency.

Can you pay 310-LOAN early?

There are no barriers to early repayment of the loan. However, an early payoff is unlikely to ease your financial burden. 310-LOAN does not describe the terms of early repayment of the loan specifically. Most likely, with an early payoff, you will pay the same fee as if you repay your loan on the due date. Contact the 310-LOAN customer support team for more info on this issue.

Can 310-LOAN sue you?

310-LOAN doesn’t mention going to court if the borrower fails to repay the loan. On their website, the company specifies the fees and penalties for missed payments. In particular, there will be a one-time NSF fee and interest on the unpaid balance. 310-LOAN also says they may transfer an outstanding loan to a third-party collection agency. 

Calculate loan payments in 310-LOAN

310-LOAN calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to pay attention to when applying for a loan from 310-LOAN

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes 310-LOAN from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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