How does an online loan work?
Once you have submitted your application, we will attempt to connect you with a lender. If we are successful, you can expect an agent to call you to guide you through the remainder of the process.

How will I know if my loan is approved?
After you apply online, if successful, you will be redirected to the lenders page to complete their requirements. You will also receive an instant e-mail advising you that you are approved for the loan, pending verification of the information you have provided. A customer service representative will then contact you within a few minutes (during business hours) to finalize your request.

How will I receive my money?
Once we connect you with a lender and after that lender approves your loan, you will typically have the option of being funded via electronic deposit (also known as ACH).

What are the implications of a late payment?
Breezy Financial is not a lender. We are an independent loan connecting service that helps you find a lender from among our entire network of lenders. Once you are connected with a lender your loan agreement will contain important information about the implications of a late payment or non-repayment. Some lenders may provide the option of making an interest-only or partial payment on a limited basis for an additional fee. Late payments of loans may result in additional fees or collection activities, or both. Non-payment of credit could result in collection activities. Each Lender has their own terms and conditions, please review their policies for further information.

Do you provide loans to military personnel?
Most lenders will not lend to Military members or their dependents but BreezyFinancial.com does have at least one lending partner that specializes in assisting members of the U.S. armed services obtain a loan.

Do you adhere to a responsible lending?
Although BreezyFinancial.com is not a lender, our network of buyers are responsible for adhering to all state and federal lending laws and lenders that are members of CFSA have committed to adhere to the following CFSA Bill of Rights.

What are the loan fees – Including the annual percentage rate (APR)?
Please note that loan fees may vary, but once you are connected with a lender your loan agreement will contain important information about loan fees and the annual percentage rate. Lenders are required by law to disclose this information to you. You should always shop around for the best loan pricing you can find. Do not be scared by APRs that are in the triple digits (example 506%). Remember, the A in APR stands for annual. A cash advance loan is typically for 14 days, not 52 weeks. In most cases, fees typically range between $10 and $30 per $100 borrowed.

What is the loan renewal policy?
Once you are connected with a lender your loan agreement will contain important information about the lender’s renewal policy. The ability to refinance or “rollover” a loan may depend on where the lender is licensed. Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender’s renewal policy.

Do you comply with other state or local regulations related to short-term loans?
It is important that you work with a lender that follows the laws set by national, state and local governing bodies. BreezyFinancial.com is not a lender. We are a connecting service that helps you find a lender from among our entire network of lenders. When you receive your loan documents, read them carefully before you sign to learn which state or country the lender operates in. You can also check online for complaints about a particular lender.

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