Question 1

My co-applicant/spouse lost the email that they are supposed to receive. How can I get a new one sent?

Accepted Answer

If your co-applicant/spouse lost the email:

Access the following link: https://app.padsfinancial.com/sign-in
Click on the "Forgot password?" option.
Follow the required steps to reset your password.
Once their password is reset, they can sign in to their account and complete their part of the application.

For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.

Question 2

What if I want to renew my loan with PADS, will I need to go to the notary again?

Accepted Answer

The need for passing by a notary may vary depending on the loan's nature. Typically, if you decide to renew the loan without increasing the loan amount, a visit to the notary may not be required. However, if the renewed loan amount exceeds the original registration, then notarization may be necessary.

Question 3

What are your business hours?

Accepted Answer

Our business hours are Monday to Friday, from 9:00 AM to 5:00 PM (EST). We are closed on weekends and public holidays. If you have inquiries outside these hours, feel free to leave a message, and our team will get back to you during the next business day.

Question 4

How do I know if my application has been received?

Accepted Answer

After submitting your online application, you will receive an email and a notification confirming that we have received your application.

Question 5

Can I get a loan with a bankruptcy on my credit report?

Accepted Answer

While having a bankruptcy on your credit report may impact your loan options, we consider various factors in our approval process.

Question 6

Can I apply for a loan without a bank account?

Accepted Answer

Having a bank account is a requirement to submit a loan application.

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