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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 World Finance's loan


How to Apply

The key requirements for the World Finance loans include financial stability, solid credit history, and being at least 18 years of age.

Applicants also need to provide documentation to verify the information in their applications. The list of documents includes the following: ID, proof of residence, social security card, and proof of income or employment. In some cases, you might be asked to provide auxiliary documentation.

Application Details

The entire process of applying for a loan takes between one and two hours. The company has fairly lax application requirements that make it easy for qualifying adults to apply for a loan. The funds will be transferred to the applicant's account almost right away.

Of course, your application might also be turned down. The most common reasons for being turned down include:

  • Past illegal activities

  • Negative credit history

  • Multiple attempts at obtaining loans

  • Excessive income that cannot be verified

  • A loan's lifecycle is too short

  • Insufficient income

  • Existing debt

  • Age too high or too low

  • The loan amount is too high.

How to Apply for a Loan

The official website is a good way to start your application process. First, you need to click on the "Apply Now" button. You will be transferred to a new page that will help you obtain the funds. First, you need to enter your name, ZIP code, and the amount of the loan that you want to borrow.

Requesting a loan begins when you press the "Start Application" button. It might take a few seconds for your request to be processed, but once it is, you will be asked to select a World Finance branch that will service your loan needs.

The next part of the application process will ask for detailed information, including your social security number and address. With this information, they will enlist the help of a credit bureau to verify that you are eligible for a loan.

After submitting the necessary information, you will be taken to the Step 2 page. In total, four steps will help make sure that you qualify for the loan that you desire.

World Finance also notes that the web-based questionnaire is not an actual application. The primary aim of the questionnaire is to gather preliminary data. The real application process will begin when you are contacted by one of World Finance's highly skilled advisors.


Does World Finance help customers build credit?

The company utilizes highly transparent, clear-cut repayment schedules to ensure that the customer is always able to pay back on time. It also recognizes its mission of helping its customers with their credit history, so through various means, it works with the client to get their credit scores upgraded.

How long does it take World Finance to approve a loan?

Most loans are approved within an hour of you applying for them. They write you a check as soon as you gain approval, and you can cash it right away.

Financial products

World Finance
Personal loan
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.

Recommended FinScore™

Effective interest rate on the product

up to 20.99%

Loan term for the financial product

up to 44 months

Calculate loan payments in World Finance

World Finance 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 focus on before applying for a loan with World Finance

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 World Finance 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 World Finance’s reviews by October 2022
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