Frequently Asked Questions

Still Have a Question?

Feel like you have a lot of questions you need answers to? Well we might have an easy answer for you. Below are a list of some very common questions we get asked. Click on a topic to find relevant questions you might be wanting to ask. If you can not find the answer you are looking for in our frequently asked questions, feel free to reach out to a branch near you to speak to a representative.

  • What Items Do I Need to Apply for a Personal Loan?

    When you come into your local World Finance branch to complete your loan, you’ll review the terms of your loan and set up the payment option that works best for you. As part of the closing process, you’ll need to bring a number of documents with you. These include: 

    1. Picture ID with signature (drivers license, state issued ID or passport)
    2. Address verification (Most recent power bill, water bill, etc)
    3. Employment and Income Documentation (Most recent paycheck stub)
    4. Social security card 
    5. You may be asked to bring additional information, including the following:
      • Phone numbers of references
      • List of personal property or vehicle title to use as collateral

    Requirements are different from state to state. Be sure to call your local World Finance branch to get a complete listing of documents you will need to provide.

  • How Do I Qualify for a World Finance Personal Loan?

    There are several things we consider when reviewing your loan application and determining whether you qualify for one of our personal loans.

    Your Age: You need to be at least 18 years old. The minimum age in Alabama is 19 years old.

    Your Financial History: Except in limited circumstances.

    Your Financial Stability: You need to have the ability to make the monthly payments required to pay off your loan. That money can come from work income, retirement income, Social Security income, or other sources.

  • How Long Does It Take to Get a Loan Approved?

    At World Finance, walk into one of our branch locations, and within about an hour, we take your application, process it and write you a check. It’s simply that easy!

  • What Personal Property is Required to Get a Loan?

    Collateral in the form of personal property is generally required. Contact the branch location nearest you for additional details.

  • How Much Money Can I Borrow from World Finance?

    Loan sizes vary from state to state, depending on state law. In most states, we offer traditional installment loans ranging from $100 to $5,000, and even up to $12,000 in some states. Loan terms run from 4 to 48 months.

  • How Do I Find a World Finance Branch Close to Me?

    It’s easy! You can see a list of branches near you by entering your city and state or zip code here.

  • In Which U.S. States Does World Finance Offer Loans?

    World Finance currently offers loans in 16 U.S. states. Including: AL, GA, ID, IL, IN, KY, LA, MO, MS, NM, OK, SC, TN, TX, UT, WI.

  • Once My Loan is Approved, Where Do I Get My Money?

    You will visit the World Finance branch location you selected to apply for the loan. Find our convenient branch locations here.