FAQ

The amount you're approved for is based on a number of factors, some of which is collected from the information you provide in your original NiceLoans! application.

There are also state-mandated loan amount limits. Please visit your State page to view loan Rates & Terms.

You can take advantage of the following repayment options:

• Installment Payments: You may pay back your loan principal plus accrued fees through a number of scheduled payments made over the loan term.
• Full Payment: You may pay back your loan in full at any time without any prepayment charges.
• Early or Partial Payment: You may make an early or partial principal payment on your loan at any time with no prepayment penalties. 

An installment loan is a loan that is paid back through a series of payments.

If you currently have an active loan please contact our Customer Support Team via email at cs@NiceLoans.com or by phone at 833-308-6423.

Please see our Rates & Terms pages be state for more information:

• Tennessee
• Oklahoma

To update your NiceLoans! password, follow these steps:

• Log into your NiceLoans! online customer portal account
• Under "MANAGE ACCOUNT", select "CHANGE PASSWORD"
• Type in your current and new passwords and select "NEXT". Your password is now updated.

If you currently have an active Flex Loan with NiceLoans! please call 833.308.6423(NICE) or email cs@niceloans.com

Please be prepared to fax, text, or email a copy or photo of a voided check or bank statement from your new bank account. Also, if you are submitting a voided check, please do not submit starter checks, as we do not accept these as valid proof of bank information.

To update your employer information with NiceLoans!, please call 833.308.6423(NICE) or email cs@niceloans.com.

To update your NiceLoans! account information, please call 833.308.6423(NICE) or email cs@niceloans.com.

To reset your NiceLoans! password, follow these steps:

• Click the "NEED HELP?" link under the customer login section in the top right corner of the website
• Select "I FORGOT MY PASSWORD" and fill in your username. Then select "NEXT"
• Select your preferred communication method and select "NEXT". You will be sent a unique PIN that will allow you to reset your NiceLoans! password.

Please call 833.308.6423(NICE) to reset or retrieve your NiceLoans! username.

*Hint - Your username may be your email address.

Yes, these documents include:

• Verified bank account and voided check (if applicable)
• Valid Driver’s License/State ID
• Current proof of income (ex. pay stub or benefits letters)

Yes, less-than-perfect credit will not prevent you from qualifying for a loan. Even if you have been turned down by other lenders, NiceLoans! may be able to assist you in obtaining a lending option that fits your needs.

NiceLoans! online applicants will receive an email notification when approved; In-store applicants will receive approval immediately in most cases.

NiceLoans! uses email and text communications to keep you informed of your Flex Loan approval, payment reminders, promotions, events and more. It's very important that you receive all email communication from NiceLoans! concerning your account.

To ensure you receive important emails from NiceLoans! please add our email address, cs@niceloans.com, to your address book as a trusted contact.

Please call 833.308.6423(NICE) to speak with a representative. Do not email or fax any credit card or bank information to our Customer Support Department.

You must contact us immediately to set up payment arrangements. If your debit is returned unpaid from the bank for any reason, we will initiate recovery procedures immediately.