Frequently Asked Questions


Here’s where you’ll find all the answers to your questions. Still can’t find the answer you’re looking for? Don’t hesitate to call 833-700-7245 to speak to one of our friendly customer service representatives, or contact us online.

My Profile

  • How do I change my SAIL password?

    To update your SAIL password, follow these steps:
    • Log into your SAIL online customer portal account
    • Type in your current and new passwords and select "NEXT". Your password is now updated.
  • How do I update my bank information with SAIL?

    If you currently have an active loan with SAIL Loans, please call 833-700-7245 or email

    Please be prepared to fax, text, or email a copy or photo of a voided check or bank statement from your new bank account. Also, if you are submitting a voided check, please do not submit starter checks, as we do not accept these as valid proof of bank information.
  • How do I update my employer information with SAIL?

    To update your employer information with SAIL, please call 833-700-7245 or email 
  • How do I update my SAIL Loans customer profile?

    To update your SAIL Loans account information, please call 833-700-7245 or email
  • What if I forgot my SAIL password?

    To reset your SAIL password, follow these steps:
    • Click the "NEED HELP?" link under the customer login section in the top right corner of the website
    • Select "I FORGOT MY PASSWORD" and fill in your username. Then select "NEXT"
    • Select your preferred communication method and select "NEXT". You will be sent a unique PIN that will allow you to reset your SAIL password.
  • What if I forgot my SAIL username?

    Please call 833-700-7245 to reset or retrieve your SAIL username.

    *Hint - Your username may be your email address.

Loan Applications

  • Do I need to fax or email any documents?

    Yes, these documents include:
    • Verified bank account and voided check (if applicable)
    • Valid Driver’s License/State ID
    • Current proof of income ( ex. pay stub or benefits letters)
  • Can I apply for a loan from SAIL if I have less-than-perfect credit?

    Yes, less than perfect credit will not prevent you from qualifying for a loan from SAIL. Even if you have been turned down by other lenders, SAIL may be able to assist you in obtaining a credit option that fits your needs.
  • How can I participate in the Refer-A-Friend Program?

    Our Refer-A-Friend program allows you to earn while sharing SAIL with your friends, family members, and co-workers. Follow the steps below and you’ll receive $50… and your friend gets $25, too!*
    It’s simple.
    1. Copy the customized link in the customer portal and share it with your friends!
    2. They apply for a loan using your portal link or by providing your name or Referral ID number.
    3. If approved, you will receive up to $50 and they will get up to $25 credit towards their new loan.*

    *Restrictions may apply. Referring customer name or ID number must be presented at time of new loan origination in order to be eligible. Checks may be issued instead of cash. Offer is subject to termination at any time.
  • How will I know when I have been approved for a loan?

    SAIL online applicants will receive an email notification when approved.
  • What do I need to have ready when I apply for a loan from SAIL?

    Please have the following ready when applying for a loan online:
    • Unexpired Drivers License/State ID 
    • Current Bank Statement tied to your direct deposit - 30 days of transactions
    • Pay Stub (most recent) OR Benefits Letter (current year)
    Proof-of-income may include a government benefits award letter with a recent bank statement displaying proof of direct deposits within the last 30 days.
  • Will I receive emails and/or text messages from SAIL?

    SAIL uses email and text communications to keep you informed of your loan approval, payment reminders, promotions, events and more. It's very important that you receive all email communication from SAIL concerning your account.

    To ensure you receive important emails from SAIL please add our email address, to your address book as a trusted contact.

Loan FAQ

  • What is a Credit Builder Loan?

    A credit builder loan is an installment loan that is paid back through a series of payments, helping you build your credit history. While making payments, a customer savings component is created and will build with interest. When you finish your payments, the customer savings component is transferred to you within 15 business days.
  • How much money can I receive from SAIL?

    The amount you’re approved for is based information you provide in your SAIL application. 

    There are also state-mandated loan amount limits. Please visit your State page to view loan Rates & Terms.
  • Is Same Day Funding Available?

    When you complete your application before 1:30pm CST with all required documents, underwriting approval and signatures, you are eligible to receive your cash the same day. Restrictions may apply.
  • What are my repayment options?

    You can take advantage of the following repayment options:
    • Installment Payments: You may pay back your loan principal plus accrued fees through a number of scheduled payments made over the loan term.
    • Full Payment: You may pay back your loan in full at any time without any prepayment charges.
    • Early or Partial Payment: You may make an early or partial principal payment on your loan at any time with no prepayment penalties.
  • What is the finance charge?

    If you currently have an active loan please contact our Customer Service Team via email at or by phone at 833-700-7542

    Please see our Rates & Terms pages by state for more info.

Missed Payments

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