Credit Education Program

Credit Education Program

LoanMe offers the CreditSmart Consumer Financial Education Program to all consumers.  This online curriculum features complete financial education classes that provide valuable information and tools to help you improve your credit and manage your money.

The topics included in the program are:

  1. How installment loans work
  2. Interest Charges
  3. Credit scores and the effect of credit scores on future financial decisions
  4. Costs of Credit
  5. Effect of late or missed payments on credit scores
  6. Loan payment
  7. Understanding the credit reporting system
  8. Best practices for establishing and building good credit

This program is free of charge and available in both English and Spanish.  You can take the CreditSmart Consumer Financial Education online curriculum anywhere – anytime, at your pace. The CreditSmart Program can be found at

Attendance is strictly voluntary and not a condition of loan approval.

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*Disclosures Lightning Fast Loans is a DBA of LoanMe. Loans provided by LoanMe. In Florida, Michigan, and Indiana loans are provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank located in Provo, Utah, Member FDIC. Loans not available in all states and not all applicants will qualify. Approval and terms subject to credit standards. Loans made in accordance with applicable state law and licensing requirements. See Licenses and Disclosures for details.

If, within three calendar days of funding your loan, you repay us the full amount disbursed to you, your loan will be deemed paid in full, without any interest or having to repay the loan fee, if any.  Payment in full of the amount disbursed to you (i.e., the amount you directly receive) must be received no later than 11:59 p.m. PST on the third calendar day after the date you receive funds in order to avoid the payment of interest and fees.  If payment is not received by that time, you will owe the full amount of the loan indicated on your Promissory Note, including the amount disbursed, the loan fee, and interest accruing from the date your loan funded.  Said another way, if the amount disbursed is paid in full within three calendar days after receipt, no interest would be charged, repayment of the loan fee would not be required, and the loan would be deemed paid in full. The loan fee, which is deducted from the loan amount before proceeds are disbursed to you, is fully earned at closing, and is not subject to refund or rebate under any circumstances, in whole or in part.

**Visa Debit Card required for instant funding.