You have to be at least 18 years old (19 if residing in AL or NE) and have:
All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some limited cases, we may need to request additional information. For most of our customers, the process is fast and hassle-free.
Your total cost depends upon the size of the loan for which you qualify and your payment history. As an example, the Annual Percentage Rate (APR) for a loan of $500 is 448.78%, with 12 bi-weekly payments of $101.29. Returning customers with a successful payment history can qualify for larger loan amounts and even lower rates. See our Loan Cost & Terms and Consumer Cost pages for more details.
If this is your first Great Plains loan, you may qualify for $100 to $1,000*. Returning customers that remain in good standing can qualify for more money at lower rates. See Loan Cost & Terms for details.
If your application is approved and verified by 6 p.m. ET, your money can be electronically deposited into your checking account as soon as the next business day. You can also request that we send your loan proceeds via the United States Postal Service in the form of a check; however, please allow approximately 7-10 days for delivery.
If we aren’t able to provide you a loan, we do have a program to help find you another lender. You can opt-in to this free service by checking the appropriate box on your application.
You are responsible for making your loan payments on time by the due date. For your convenience, we provide several ways to pay. You can either schedule an electronic payment from your checking account or provide payment in one of the following forms (check, Money Gram, money order, or credit card). Please note that if you make a late payment, skip a payment, or a payment is returned to us, we may charge you additional fees.
If you are unable to make the payment on your due date, please contact Customer Support.
As opposed to traditional banks, at Great Plains Lending, we give you the choice to pay off your loan over several installments, or all at one time (without penalties, of course).
Keep in mind that the number of payments on your loan depends on your loan amount and pay schedule. For your convenience, your loan payment dates are linked to your pay dates. For example, a $500 loan with an Annual Percentage Rate (APR) of 448.78% has 12 bi-weekly payments of $101.29.
Fortunately…you won’t have to wait long. When you submit your online application your results will be available in a matter of seconds. If conditionally approved, subject to verification of the application information, you will be able to request how much you want to borrow up to your maximum approved amount. If your application for credit is not approved, we’ll notify you with the reason for denial.
We understand that you may have some reservations about providing us with your personal information while applying for an online loan. Accordingly, we’ve taken numerous measures to keep our process completely confidential and secure. Please see our Security Policy for more information. If you have additional unanswered questions, please don’t hesitate to contact us.
Financial U is an online learning center that teaches basic financial concepts and offers helpful tips for creating healthy financial habits. Access to online courses, interactive tools and other resources is free for all Great Plains customers. You can even get rewarded for successfully graduating from Financial U! Rewards are subject to eligibility requirements. Visit Financial U to view the Reward Terms & Conditions, and to learn more.