Requirements for Installment Loans
E.Z. Loan$, Inc.: A Delaware Licensed Lender, Licensed by the Delaware Bank Commissioner, License # 010773: expiration 12/31/2023
Only issued at one of our many physical locations (See locations for one closest to you)
- Must be Employed a minimum of (3) months
- Must have lived at current address a minimum of (3) months. (Must have 3 items to verify current address; if Your Bank Statement, Pay Stub & Driver’s License all match that is all you will need.)
- Must have a checking or savings account for at least (3) three months; your name and account number must be printed on the checks and the account.
- You must be at least 18 years old.
- You must have a valid Driver’s license or State ID.
- You must have a net income of at least $800 per month
- You must not currently be filing for a bankruptcy case or intending to voluntarily file for bankruptcy relief.
BRING WITH YOU:
- YOUR MOST RECENT BANK STATEMENT (for those that don't have online banking only)
- USER NAME / PASSWORD TO ACCESS YOUR ONLINE BANKING IN LEW OF BANK STATEMENT
- YOUR CHECK BOOK
- YOUR MOST RECENT PAY STUB
- YOUR VALID IDENTIFICATION
- YOUR COMPLETE SOCIAL SECURITY OR DISABILITY LETTER SHOWING INCOME
Itemization of Charges
- Returned Check / Returned ACH - $30 per item
- Late Fees (more than 5 days late) - 5% of past due amount
- Interest rates range - Bi-weekly and Semi Monthly 20% , Monthly 30%
- Defaulted Accounts - Applicable fees related to Court cost and Wage Garnishments
- Post Judgement Interest according to Delaware Legal Rate, which fluctuates
You may print the pdf/ezloans-delaware.pdf application to complete and bring with you to save time if you wish.