Answers to Your Questions
Kinsmith Finance welcomes your questions – in fact, we encourage them!
We have assembled the questions we have been asked most-often and separated them into several categories. Finding answers to your questions is easy. Simply click on one of the four categories listed below, find the question topic that applies and click the “expansion arrow” on the right.
If you cannot find the answer to your questions, please contact your local Kinsmith Finance office. You can use the link below to find the contact information for your local office.
We always prefer for you to visit many convenient locations during regular business hours so we have the pleasure of meeting you in person. However, we understand that schedules can be busy. You can also start an application by phone by calling your local branch.
Once we have all the necessary information, it typically only takes a few minutes to process your application.
Once you sign your loan documents in the office, you will walk out with cash!
Not at this time. All our loan closings are done at your servicing branch location.
You will need to bring your most-recent pay stub, state-issued ID, proof of residence, recent bank history and social security card. You will also need to provide us with the names and phone numbers of personal references. Finally, to sign-up for electronic payments, you will need to bring a bank-issued document that includes your name, account, and routing numbers – typically a direct deposit form will do!
We understand that your time is valuable. Typically we are able to process all the necessary paperwork and verifications in 30 minutes or less and have you out the door with cash-in-hand!
We help people with poor or no credit every day. Just give your information to one of our team members and they will do everything they can to get your loan approved.
Most of our branches do require recent bank history. However, we do accept recent bank history from most of the online and non-traditional banks as well.
No, we will not run a credit report. We do not base our loan approval on a credit score or your credit report, which is different than many of our competitors.
Minimum income requirements vary. At Kinsmith Finance, we do not want to burden you with a payment you cannot afford to make. Our goal is to be part of your solution, not another problem.
We consider ourselves experts in helping individuals with past credit issues. Our Kinsmith Finance team members will get to know your situation and do everything they can to help you, regardless of past credit issues.
We try to help as many people as we can, but there are certain instances where we are not able to approve an application. If you application was turned down, you will receive a letter by mail explaining the reasons behind the decision. You can also contact the branch location that processed your application for an explanation.
Kinsmith Finance makes traditional installment loans. Installment loans are a type of credit that has been around for over a hundred years. Our short-term installment loans have affordable bi-weekly or monthly payment terms with no hidden fees and a fixed interest rate – guaranteed.
Our office hours vary slightly by location. Generally, we are open from 9:00 a.m. to 5:30 p.m. We encourage you to visit the Location Page, search for the office closest to you, and check their business hours.
We want to know about any issues or problems you are experiencing and would encourage you to contact the branch office that is servicing your loan. You can obtain their contact information by going to the Locations Page and searching by the city name.
We pride ourselves on our over-the-top customer service. If you feel that you were not treated or serviced properly, please let us know right away by submitting your concern. Click the “Consumer Feedback” button by the location of concern on our Locations Page.
Yes, we want to be there for you! Many of our customers borrow money for unexpected expenses, car repairs, vacations, school expenses, home improvements, major purchases, Christmas, and so much more.
Our loan amounts vary by state, but typical range between $200.00 and $1,250.00*.
No, Kinsmith Finance does not report to the credit bureau or pull credit as a part of the loan application process.
We pride ourselves on the relationships that we build and many of our new customers come to us through their friends and family. All of our locations have a customer referral program. For more details visit the Customer Referral Program.
We accept cash, ACH checks, money orders, and debit card payments (debit payments may incur a processing fee). Most of our customers find our ACH payment to be the most-convenient.
Yes, you may pay your loan off at any time without a prepayment penalty. In fact, we encourage you to make larger than minimum payments or to pay your loan off early to save interest or fees. Our goal is a happy customer because we want you to tell your friends and family about your wonderful experience with us!
Our loans are paid back in easy and affordable bi-weekly or monthly installments (based on how often you get paid). You can make your payment in the office or by phone. Most of our customers prefer the convenience of paying by ACH. Call one of our offices for more details.
We understand financial circumstances can change, sometimes in an instant, and we want to help. We are successful when you are successful and strive to come up with arrangements we can both feel good about. Call your servicing branch to discuss your situation with a representative.
Do you have holiday plans? Do you need cash for holiday expenses? Kinsmith Finance can help. Offering Loans from $200 to $1,250.