CreditShop Questions and Answer Index

Find the answers to your questions by navigating the topics below


* CreditShop loans generally range from $1,000 to $3,000. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 19.9% to 36%. In some states, we may charge a loan processing fee or account set-up fee ranging from $25 to $100 when we establish a loan. If a loan processing fee or account set-up fee is charged, it will be clearly disclosed to you before you accept your loan and will be reflected in your APR. The minimum repayment period is 36 months or 3 years, while the maximum repayment period is 48 months, or 4 years, barring any unforeseen circumstance such as borrower default or payment modification. Borrowers should refer to their loan agreement for specific terms and conditions. Next-day funding is based on information submission and loan approval timing (prior to 1 PM ET) and your bank's funds transfer policies.

If you have a question and need further assistance, click here.

Security Policy: CreditShop is committed to making sure your payment and personal information is always safe. Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure commerce transactions. SSL encrypts all of your personal information, including debt card number, name, and address, so that it cannot be read over the internet.

Refund Policy: CreditShop does not refund payments made by debit card to pay your existing CreditShop loan balance.

For other inquiries, contact us at:
Credit Shop, Inc
PO Box 21357
Lehigh Valley, PA 18002-1357
800-317-9240
About Us

CreditShop provides affordable personal loans for everyday and emergency needs. Interest rates range from 18% to 36% and conform to the federally mandated threshold of 36% ... which many consumer advocates consider essential to keep borrowers out of the debt trap. While not everyone will qualify for a loan, many consumers use unsecured simple-interest installment loans to save money and pay less every month.