FAQ's

Application Questions

How long does an application take?

An application takes approximately 5 minutes to complete.

How long will it take to hear something regarding the status of my application?

You will usually receive a response during the same business day. Please take into account that response times may vary based on application volume and submission time.

I have not heard anything regarding my application. What is the status?

Please call the branch at which you applied to request the status of your application.  If you applied online, simply call a branch nearest to you. Your local branch will be able to assist you and answer any questions you may have about the application process.

Do I need to provide proof of income to obtain a loan?

Yes, proof of income is required.

Do you require identification?

Yes, a valid government issued photo ID is required.

Payment Questions

How can I pay the loan?

Accepted forms of payment include cash, check or money order. You can pay at your local branch or by phone. You can also pay up to 3 payments at a time by using a debit card. We do not accept payoffs using debit cards where the balance is in excess of 3 payments.

How can I find out my current balance?

Contact your local branch for information on your current balance.

Can I set up my account to make automatic payments through your company?

No, our company does not provide automatic payment services at this time. You can set up automatic payments through your own online banking account. Use the address of the local branch office and use your NFC or First Beach account number when setting it up.

Can I make a payment on my account at another branch?

Yes, you may pay at any National Finance branch.

Will I receive a monthly statement?

No, your payments will be due every month on the same date until loan maturity.

Account Inquiries

How can I obtain my account number?

Contact your local branch to obtain your account number.

If I pay my loan off early do I have to pay interest for the entire length of the loan?

No, you only pay interest for the amount of time your loan is open.

what should I do if I have questions about a lien release?

Call the branch from which you received the loan for questions regarding a lien release or titles.

Questions about a check I received in the mail

I received a check from your company, is it real?

Our company sends real checks to pre-screened qualified individuals. Although we cannot guarantee the authenticity of all checks you may receive in the mail, simply call the branch phone number on the check to verify it is real.

Can I cash a check I received from your company through the mail?

No, you can only deposit a check you received in the mail into your bank account.  If you do not have a bank account, you may come to our branch office and apply for a regular loan offer.

General Loan Questions

What type of loans do you make?

We make personal loans for just about any reason you need.

What is the minimum amount I can borrow?

NC Customers: The loan must be a minimum amount of $850. Depending on collateral, loans can reach a maximum of $3,000.
SC Customers: The loan must be a minimum amount of $300. Depending on collateral, loans can reach a maximum of $2,000.

I need to borrow more money, can you help?

We can always determine if you qualify for more money. Simply call your local branch to discuss your current needs.

Is there a prepayment penalty?

No.

Questions I have about National Finance and First Beach Finance

What kind of company is National Finance & First Beach Finance?

National Finance Company & First Beach Finance are consumer finance companies.

Is National Finance Company, Inc., a North Carolina Corporation, affiliated with National Finance Company of South Carolina?

No. National Finance Company in the state of South Carolina is owned by Western Shamrock Corporation in San Angelo Texas.

Do you report to any credit bureaus?

We report directly to Equifax, but this information is transmitted to all three credit bureaus.