Did you receive a check in the mail from us?  Congratulations!   Based on your excellent credit, you’ve been pre-approved for a loan.  Have questions?  Check the Frequently Asked Questions below or call the number on the check. 


Is the check real?

Yes!  Just deposit the check and use the funds as you’d like.

How do I know it’s legit?

If you take the check to a BB&T they’ll verify our account number on the check.  Also, check us out online or on Facebook or give us a call.  We’re the real deal.

What’s the catch?

No catch.  The check is backed by a pre-approved loan.  The funds are yours to use, but you must repay the loan with interest per the terms on the disclosure statement. 

What are the terms?

All terms are clearly presented on the Disclosure Statement on the backside of the check, but call us if you have any questions. 

Is there a prepayment penalty?

Nope.  Many of our customers use our live check for Holiday expenses, and then pay off the loan soon after with their tax refund.    

What’s the interest rate?

We clearly disclose the rate and all fees on the Disclosure Statement that appears on the backside of the check.

Are there any fees to use the check?

The check is net of fees.  The dollar amount on the check is the amount you get.  Please check the Disclosure Statement on backside of check for details of any applicable fees.

Did you pull my credit?

No.  This is a prescreened offer and we did not pull your credit report.  But if you deposit the check, thereby agreeing to the terms, we will run your credit at that time.

Will you pull my credit?

Yes.  If you deposit the check, thereby agreeing to the loan terms, we will run a consumer credit report on you.

How did you get my name and address?

We work with the major credit bureaus to identify qualified customers.

How do I stop receiving these?

See PRESCREEN & OPT-OUT NOTICE on the check for details on how to opt-out.   

How do I make payments?

You can pay in-person at a branch, pay securely online at www.nfcmoney.com, or mail us a check.

Why do you send these checks out?

We’ve found that many people are grateful to receive these convenient checks.  There’s no application to fill out; no need to gather and provide documents; no waiting for an approval; and no need to go anywhere…your check is in your hands!

I get several of these in the mail. Why deposit yours?

At NFC we pride ourselves on great customer service and we want to help you achieve your financial goals.  We can’t be successful if you’re not successful.  Check out our reviews and you’ll see why our customers enjoy doing business with us.

Can I get more money?

Perhaps.  Call or visit your local branch to find out if you qualify for a larger loan.