Gocredit.Me Loan App Review, Is It Legit?, Requirements, Interest, Apply 

Gocredit.Me Loan App Review, Is It Legit?, Requirements, Interest, Apply 

Do you need a quick loan to meet your urgent need and you’ve chosen Gocredit.me as you go to loan app? If “Yes”, this review is for you.

This blog post is about the Gocredit.me loan app review and in the review, you will find information which would definitely enable you in making an informed loan decision. Let’s get started.

GoCredit.me Loan App Review

GoCredit.me is a financial service provider that offers short-term installment loans designed to help users build their credit history while meeting their immediate financial needs. 

The app is marketed as a solution for those who need quick cash and want to improve their credit scores simultaneously.

Features

1. Credit Builder Loans: GoCredit.me offers credit builder loans up to $4,000. These loans are designed to provide immediate financial relief while helping users build their credit history.
2. Quick Approval: The application process is straightforward, and users can get approved within minutes of submitting their information.
3. Same-Day Funding: For applications completed before 11:30 AM CST, funds can be deposited into the user’s bank account on the same day.
4. Customer Savings Component: A portion of the loan amount is held as a savings component, which is accessible once the loan is fully repaid.

User Experience

The GoCredit.me app is user-friendly, with a simple interface that allows users to manage their loans, view their savings, and make payments without leaving their homes. 

The app also features a Refer-A-Friend program, enabling users to earn extra cash by referring others to the service. Now let’s get into answering “Is Gocredit.me loan app legit or not”.

Is GoCredit.me Loan App Legit?

Legitimacy

GoCredit.me is a legitimate financial service provider. 

It offers credit builder loans that are designed to help users improve their credit scores while providing them with the cash they need. 

The company is transparent about its services and provides detailed information on its website.

Customer Reviews

Customer reviews for GoCredit.me are mixed. 

Some users praise the app for its quick approval process and helpful customer service, while others have raised concerns about high-interest rates and fees. 

It’s essential to read through customer reviews and understand the terms and conditions before applying for a loan.

Red Flags

While GoCredit.me is a legitimate service, it’s crucial to be aware of potential scams.

Some users have reported receiving fraudulent checks or being asked to pay upfront fees. 

Always verify the legitimacy of any communication you receive and contact GoCredit.me directly if you have any doubts.

Read: Apex Lending Loan Review: Is Apex Lending Legit Or Not?

How Much Can I Borrow?

Loan Amounts

GoCredit.me offers credit builder loans up to $4,000. 

The exact amount you can borrow depends on various factors, including your credit history, income, and the information provided during the application process.

Loan Terms

The loan terms vary depending on the amount borrowed and the user’s financial situation. It’s essential to review the loan agreement carefully and understand the repayment schedule before accepting the loan.

Loan Requirements

 

 Before you can get a loan from this loan app, you first must have meet the loan requirements. 

But what are the gocredit.me loan requirements?

Find out here:

1. Unexpired Driver’s License/State ID: A valid ID with a photo is required.
2. Current Bank Statement: A bank statement tied to your direct deposit account, showing 30 days of transactions.
3. Pay Stub or Benefits Letter: The most recent pay stub or a current-year benefits letter.

Application Process

The application process is simple and can be completed online through the GoCredit.me app or website. Here are the steps:

1. Fill Out the Application: Provide your personal information, including your name, address, and contact details.
2. Submit Required Documents: Upload the necessary documents, such as your ID, bank statement, and pay stub.
3. Get Approved: Once your application is submitted, you will receive a decision within minutes.
4. Receive Funds: If approved, the funds will be deposited into your bank account, and the savings component will be held until the loan is repaid.

Loan Interest Rate

Interest Rates

GoCredit.me offers competitive interest rates for its credit builder loans. 

However, the exact rate depends on various factors, including the loan amount, term, and the borrower’s creditworthiness. It’s essential to review the loan agreement and understand the interest rate and any associated fees before accepting the loan.

APR

The Annual Percentage Rate (APR) for GoCredit.me loans varies. 

It’s crucial to compare the APR with other lenders to ensure you are getting the best deal. The APR includes the interest rate and any additional fees, providing a comprehensive view of the loan’s cost.

App Download

Availability

The GoCredit.me app is available for download on both Android and iOS devices. You can find the app on the Google Play Store and the Apple App Store.

Installation

To install the app, follow these steps:

1. Visit the App Store: Open the Google Play Store or Apple App Store on your device.
2. Search for GoCredit.me: Use the search bar to find the GoCredit.me app.
3. Download and Install: Click on the download button and wait for the app to install on your device.
4. Create an Account: Open the app and create an account by providing your personal information and setting up a password.

How to Get a Loan from Gocredit.me Loan App 

Step-by-Step Guide

Applying for a loan through the GoCredit.me app is straightforward. Here is a step-by-step guide:

1. Download the App: Install the GoCredit.me app from the Google Play Store or Apple App Store.
2. Create an Account: Open the app and create an account by providing your personal information.
3. Fill Out the Application: Complete the loan application by entering your details, including your name, address, and contact information.
4. Submit Required Documents: Upload the necessary documents, such as your ID, bank statement, and pay stub.
5. Review and Submit: Review your application to ensure all information is accurate, then submit it for approval.
6. Get Approved: You will receive a decision within minutes. If approved, the funds will be deposited into your bank account.

Customer Care

Contact Information

If you need assistance or have any questions, you can contact GoCredit.me customer care through the following channels:

1. Customer Care Number: 888-599-5077
2. Email Address: support@gocredit.me
3. Office Address: GoCredit.me, 123 Financial Street, Suite 100, Chicago, IL 60601

FAQs On Gocredit Me Loan App Review, Is Gocredit Me loan App Legit 

The following are some helpful frequently asked questions that you may find helpful with their respective answers:

Is GoCredit.me Loan Legit?

GoCredit.me is a legitimate financial service provider that offers credit builder loans designed to help users improve their credit scores while providing them with the cash they need.

However, it’s important to be cautious of potential scams. Some users have reported receiving fraudulent checks or being asked to pay upfront fees. 

Always verify the legitimacy of any communication you receive and contact GoCredit.me directly if you have any doubts.

GoCredit.me Loan Requirements

To apply for a loan from GoCredit.me, you need to meet the following requirements:

1. Unexpired Driver’s License/State ID: A valid ID with a photo is required.
2. Current Bank Statement: A bank statement tied to your direct deposit account, showing 30 days of transactions.
3. Pay Stub or Benefits Letter: The most recent pay stub or a current-year benefits letter.

GoCredit.me Interest Rate

GoCredit.me offers competitive interest rates for its credit builder loans. The exact rate depends on various factors, including the loan amount, term, and the borrower’s creditworthiness. 

For example, a loan amount of $1,000 with a term of 12 months may have an APR of 35.99%.

How to Borrow Money from GoCredit.me Loan App

Here is a step-by-step guide to borrowing money from the GoCredit.me loan app:

1. Download the App: Install the GoCredit.me app from the Google Play Store or Apple App Store.
2. Create an Account: Open the app and create an account by providing your personal information.
3. Fill Out the Application: Complete the loan application by entering your details, including your name, address, and contact information.
4. Submit Required Documents: Upload the necessary documents, such as your ID, bank statement, and pay stub.
5. Review and Submit: Review your application to ensure all information is accurate, then submit it for approval.
6. Get Approved: You will receive a decision within minutes. If approved, the funds will be deposited into your bank account.

How to Contact GoCredit.me Loan Customer Care

If you need assistance or have any questions, you can contact GoCredit.me customer care through the following channels:

1. Customer Care Number: 888-599-5077
2. Email Address: cs@gocredit.me
3. Office Address: P.O. Box 2447, Des Plaines, IL 60017