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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.

Apply for a AccountNow's loan


How to Apply


Anyone who meets these simple eligibility requirements is eligible for this prepaid card.

  • You must be at least 18 years old or the age of majority in your state;

  • You must be a US resident or lawful permanent resident.

Application details

When applying, you must have the following information on hand:

  • Your full name and mailing address;

  • Your phone number and email address;

  • Your Social Security number and birth date;

  • A copy of your driver's license or other identifying documents may sometimes be required.

  1. Visit the website of Green Dot Bank.

  2. Complete the application form. AccountNow will require you to provide personal information such as your full name, address, date of birth, email address, and Social Security number.

  3. Check that the information is correct before submitting your application.


Does AccountNow verify income?

AccountNow may request documentation to verify your stated income. However, a lender will not usually call your employer or the Internal revenue service to verify your income.

Does AccountNow affect credit score?

AccountNow Gold Visa Prepaid Card allows direct deposit without a checking account. Simple acceptance after an ID check. No credit check because it's not a credit card. Thus, it doesn't affect your credit score.

Is AccountNow a direct lender?

AccountNow is a direct deposit lending institution that provides prepaid MasterCard and Visa accounts to bank-rejected customers. 

What to focus on before applying for a loan with AccountNow

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between AccountNow and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All AccountNow’s reviews by September 2022
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