Frequently Asked Questions

connectvero.com provides a marketplace service where your request request is submitted to a network of reputable partners. Our service is always free--there is never a cost to you for submitting an inquiry. Your partner will have its own rates and fees that will be provided to you before you accept the request. connectvero.com is not a partner and does not make credit decisions.

New customers may have questions about connectvero.com, which is why we have compiled the most common questions below. If you have a question that is not answered here, we are happy to answer your questions. Just complete the form on the Contact Us page and we will get back to you quickly.

If you have questions regarding a request inquiry, approval, funded request, payments or any other question about a particular request, please contact your partner directly. If you received a request, you should already have the partner’s contact information. Since we are not the partner, we cannot answer questions about pending or approved requests.

1. What is a personal request?
2. Who can qualify for a personal request?
3. How much can I borrow?
4. How will I receive the request money?
5. If I have bankruptcy or bad credit, can I still get a request?
6. How long does the process take?
7. Will I need a printer or fax machine?
8. What is the cost of a short term consumer request
9. If I already have an outstanding cash advance request is it possible to get a new one?
10. When and how do I repay my request?
11. What happens if I’m late with a payment?
12. How is my private information protected?
13. When can I get another request?
14. Is an extension possible on repaying my request, and how many extensions can I get?
15. What happens if I’m not able to repay my request?

1. What is a personal request?

   Personal requests might be called different things, but they’re all designed to provide you with temporary financial relief.

2. Who can qualify for a personal request?

   Most partners require you to:

   1. Be employed in your current position for approximately 90 days;
   2. Be at least 18 years old, and a US citizen or a permanent resident;
   3. Have an income of approximately $1,000 per month after tax withholdings; and
   4. Have a valid email address, work phone number and home phone number.
3. How much can I borrow?

   The amount a partner is willing to give you depends on how the partner evaluates a number of factors, including your state of residence and applicable legal restrictions (requests are not available in all states). Many partners in our network will request between $100 and $5,000.

4. How will I receive the request money?

   Once the partner approves your request and you accept the request terms, your request will be deposited directly in your bank account, usually as soon as the next day.

5. If I have bankruptcy or bad credit, can I still get a request?

   Personal requests generally are offered for people with good credit, although each partner has its own underwriting policies. An alternative for those with bad credit may be to seek a short-term consumer request. If we cannot find a partner that can offer you a personal request for the amount you requested, we will search our network of short term partners to see if we can find a short-term partner for you.

6. How long does the process take?

   It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a partner that is willing to work with you. You should have a response from one of our partners within minutes. Final approval and funding is often done in as little as 24 to 48 hours.

7. Will I need a printer or fax machine?

   Some partners will ask for your permission to access your information such as bank statements or income verification online, saving you from having to fax or email copies of those documents. However, your partner might need you to fax or email a copy of your bank statement, paycheck stubs or other information. If you do not have access to a scanner or printer, consider visiting Office Max, Kinkos or another office service provider. You should also have access to a printer so you can print a copy of your request agreement. If you have questions after your request is funded, you will need your partner’s contact information!

8. What is the cost of a short term consumer request

   There is no cost to use connectvero.com’s marketplace service. The actual cost of your request may vary by partner. You will be provided information on the rates and fees before you accept the request. Personal requests are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a request if you believe you have the ability to repay it.

9. If I already have an outstanding cash advance request is it possible to get a new one?

   You may be allowed to secure more than one personal request at any given time, but this will depend on your state’s laws as well as your partner’s practices. If you have an outstanding personal request or other personal request, you should let your new partner know about it before you accept a new request.

10. When and how do I repay my request?

    If you have selected the convenient and secure ACH payment option, your request payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your request, please contact your partner before you miss a payment (additional fees may be involved).

11. What happens if I’m late with a payment?

    Each partner has its own late payment policy and fees. Check your request documents for details or contact your partner directly. Some states may regulate or limit late fees.

12. How is my private information protected

    We use industry-recognized security and advanced encryption technology to protect your personal information. Your information is transmitted and stored securely in an encrypted format. Please review our privacy policy for additional details.

13. When can I get another request?

    You can use our service to get a new request at any time (subject, of course, to state law restrictions). If you have recently taken out another personal request that is still outstanding, please inform your new partner before accepting a new request.

14. Is an extension possible on repaying my request, and how many extensions can I get?

    The rules on extensions or “rollovers” varies among partners and also may be regulated by state law. Some states allow for multiple rollovers while others do not allow it at all. If you need an extension on your request, make sure to contact your partner before you miss any payments. Most partners will work with you to help you avoid missing payments or defaulting on your request.

15. What happens if I’m not able to repay my request?

    If you can’t make your request payments on time, you may be in default of your request obligations. Late payments and request defaults may adversely affect your credit and may make it difficult to obtain future personal requests.

    If you can’t make your payments on time, don’t ignore it! Talk to your partner ahead of time and see what they can do to help you make the best of the situation.