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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.

LoanCare's account


How to register an account on LoanCare

You need to have a personal account with LoanCare or with one of the lending institutions like TIAA they have partnered with.

Follow the steps below to create a LoanCare account:

  1. On the upper right-hand side of their homepage, click the Create Account option. Alternatively, underneath the Sign In button, click Need help signing in and then click No Account? Create one today.

  2. The next page will prompt you to enter your loan number, personal details, Tax ID, email, and password.

  3. Check the I am not a robot reCAPTCHA box.

  4. Click Verify after answering the reCAPTCHA challenge image.

  5. Click Continue

  6. After reading and understanding the disclosure, check the I accept the terms and agreement box.

  7. Click Submit

  8. LoanCare will successfully create your account if you have entered the correct information. If not, you will be required to input your details again.

How to reset a password on LoanCare

To reset your password, follow these steps:

  1. On the right-hand side of their homepage, you will see the Sign In prompt box.

  2. Click Need help signing in

  3. Click Forgot password? from the drop-down menu.

  4. You will be asked to Enter your User ID, then choose the option to reset your password.

  5. Use the email option if you do not have a valid phone number that has been configured. Alternatively, you can reset it via SMS or voice call if you have one.

  6. Click Verify after entering the code you received by SMS or voice call.

  7. Click the Unlock Account link for the email option.

  8. Then click on Return to Sign In and sign in with the new password.

How to delete an account on LoanCare

When you have finished repaying your mortgage loans and want to delete your LoanCare account, contact LoanCare customer care. They will go through your account, confirm that all payments have been made, and inform you when they delete your account.


How does LoanCare work?

LoanCare is a mortgage sub-servicer that operates in 50 states and provides lenders, servicers, and investors with assets or servicing rights at any step of the loan servicing cycle with customized service and innovative technology.

How do I contact LoanCare?

LoanCare offers customer service through the following channels:

  • Phone: Call 1-800-274-6600 Monday through Friday from 8 a.m. to 10 p.m. ET and Saturday from 8 a.m. to 3 p.m. ET.


What to focus on before applying for a loan with LoanCare

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 LoanCare 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 LoanCare’s reviews by October 2022
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