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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.

Gateway Financial's pay off


Repayment of loan

You have the opportunity to pay either online or over the phone for your purchases in Gateway Financial LLC. To complete the payment for your purchase online, It is necessary for you to enter your account number and zip code. If you do not have access to that information, contact the company at 864-977-1456.

During the company's regular business hours, a Customer Service Representative will also be available to take your payment if you choose to do it over the phone. You can make your payment over the phone with their user-friendly Interactive Voice Response System (IVR). This service is available 24/7 for you. MoneyGram, Western Union, ACE Cash Express, and PayNearMe are also some other payment methods that are accepted. These various ways of payment all carry an additional cost, the amount of which depends on the method chosen.

Early payoff

There is no fee assessed for early payment. Get in touch with the customer care department of Gateway Financial LLC to receive an updated payoff statement.


What if I default on a Gateway Financial loan?

Suppose you have a loan with Gateway Financial, and it goes into default. In that case, your relationship with your lender will be shattered. It is also possible that you won't be able to acquire any additional loans in the future. It will significantly lower your credit score, make it more difficult for you to obtain further credit in the future, and even result in confiscating your belongings.

How can I pay Gateway Financial back?

You have the opportunity of making a payment to Gateway Financial either over the phone or online. MoneyGram, Western Union, ACE Cash Express, and PayNearMe are additional repayment methods.

Can Gateway Financial sue me?

Yes, Gateway Financial can sue you. If there is a dispute regarding the breach of contract, they can hire a lawyer to sue you for the underlying debt and the costs and expenses. Do not disregard a lawsuit against you; there is a possibility that you can mount a defense for yourself. 

What to focus on before applying for a loan with Gateway Financial

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 Gateway Financial 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 Gateway Financial’s reviews by October 2022
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