Your questions. Answered


You have questions about loan status, payment options, any number of things. Our customer service specialists answer these questions daily. But here, you don’t even have to call them. You can browse our list of frequently asked questions and find the answer to your question.

SET Financial Corporation     
PO BOX 63065
Charlotte, NC 28263-3065

We offer cash loans up to $10,000 but specialize in $500 to $5,000. The amount you qualify for is determined by the information you provide. Complete your loan application (link) now.

We can deposit money into your checking account the same day if funded before 12 EST or the next day if funded after.

You can upload to your account, email us, even text requested documents at (number). NOTE: We require an END OF MONTH pay statement if you do not bank online. 

To check your loan application status, sign in to your account or contact customer service (email link). All loan offers are good for 30 days. 

Make loan payments via your online account using a debit card or a checking account. Or our 24/7 phone payment system with your debit card.

The answer is no. You can mail your loan payment to us. Making payments online is one of the most convenient ways to automate and manage your monthly payments. To set up electronic payments, please contact (email) one of our customer service specialists.

Congratulations, you’re a human living in the digital age. Your username is the email address you provided when you first applied for a loan. To reset your password, simply hit the Forgot Password link or give customer service a call.

Yes! We encourage reapplying. Your circumstances may have changed. However, if you have recently been turned down, it might be a good idea to wait a few months to increase your chances of loan approval. If you currently have a loan with us, please know that your current balance and payment history will be factored in the loan application process.

It happens. Sign in to your account to retrieve your account number. Are you still having issues? Please contact (email) one of our customer service specialists.  

Many of our customers move or get married and change their name. Sign in to update your account or contact (email) one of our customer service specialists.

Not necessarily. We encourage all applicants to apply for loans. The process is quick, easy, secure, and free. 

We offer several payment protection plans from Credit Life, Accident and Health, Involuntary Unemployment Insurance, and Vehicular Single Interest Insurance. A payment protection plan is not required to obtain credit and requires additional cost.

Set Financial does not offer mortgage loans.

Yes, we do! Let us finance your next set of wheels. You might also consider applying for an installment loan for a down payment on a new or used car. 

No problem. During our loan application process, you will be asked for permission to access your credit history. It’s within your rights to request a copy of the report from the credit reporting agency. 

We don’t treat you as a number. We look at more than just your credit score when reviewing your loan application. We encourage everyone to apply regardless of credit history.  

Approved applicants receive loans with clearly defined payment amounts/terms. If none of the options fit within your monthly budget, DO NOT ACCEPT the loan. Instead, please contact (email) one customer service. 

Loan interest rates vary based on several factors, including the loan amount and length of the loan, as well as other factors unique to the individual borrower. We work hard to offer competitive rates on installment loans. 

We use the precompute rule of 78s.  A precomputed loan is one in which the debt is expressed as a sum comprising the principal and the finance charge amount computed in advance. The total amount of each payment is subtracted from the balance, including the principal and finance charges (interest). 

A co-borrower is an additional borrower whose name appears on loan documents and whose income and credit history are used to help qualify for the loan. Under this arrangement, all parties involved must repay the loan.

A Power of Attorney is a legal document that allows a designated person to act on behalf of another on the individual’s finances, property, and medical care.

Apply online 24/7. For business hours, see the times posted on our Contact Us page.

We consider consolidation loans but cannot provide an answer until after you apply for a loan. 

You have options when making payments. You can make payments online from a computer or a mobile phone anywhere in the world, 24/7. Or, use our automated phone payment line at 800-803-2510. You can also pay in cash at any Walmart Money Center.