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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.

Tillful's pay off


Repayment of loan

Tillful works with different lenders to provide business funding options and credit cards. It puts the other lenders’ financial solutions on its website, and once you qualify for one, your funding or credit card obligation will be taken to this particular lender. Your business loans will be serviced by the other company which you sign an agreement with. It means you will pay back not Tillful but the servicing company.

Depending on the lender, you will pay Wire, by ACH, by phone, or by mailing your money orders. The due date starts the next month you’ve received the funds.

Tillful makes money on advertising and merchant transactions, so you are likely not to pay the company anything. However, look out for the fees. They are stated in your agreement and can increase the cost of your service. This may require you to transfer money from your bank account directly to Tillful by Wire transfer.

Early payoff

Consult your funding advisor for the fees on your loan and review the contract you sign. There will be stated a possibility to pay off the loan early, and the conditions on that. Most lenders don’t charge penalties for early payoffs, unless you don’t take a loan for credit score improvement. In this case, you better keep paying through the entire total loan life.


What are Tillful payment terms?

Tillful doesn’t service its own funding solutions, so you will pay another company on the terms stated in your agreement. Tillful claims not to take any fees or payments on its services.

How can I pay Tillful?

In the case you need to pay Tillful directly, you will be required to conduct a Wire transaction from your bank account to the Tillful’s.

What if I can't pay Tillful?

If you need to pay Tillful but cannot do it in any case, the company may impose fees and sell your debt to the collection agency.

What to focus on before applying for a loan with Tillful

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 Tillful 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 Tillful’s reviews by September 2022
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