Requirements for Installment Loans

E.Z. Loan$, Inc.:  A Delaware Licensed Lender, Licensed by the Delaware Bank Commissioner, License # 010773: expiration 12/31/2021

Only issued at one of our many physical locations (See locations for one closest to you)

  • Must be Employed a minimum of (3) months
  • Must have lived at current address a minimum of (3) months. (Must have 3 items to verify current address; if Your Bank Statement, Pay Stub & Driver’s License all match that is all you will need.)
  • Must have a checking or savings account for at least (3) three months; your name and account number must be printed on the checks and the account.
  • You must be at least 18 years old.
  • You must have a valid Driver’s license or State ID.
  • You must have a net income of at least $800 per month
  • You must not currently be filing for a bankruptcy case or intending to voluntarily file for bankruptcy relief.

BRING WITH YOU:

  • YOUR MOST RECENT BANK STATEMENT (for those that don't have online banking only)
  • USER NAME / PASSWORD TO ACCESS YOUR ONLINE BANKING IN LEW OF BANK STATEMENT
  • YOUR CHECK BOOK
  • YOUR MOST RECENT PAY STUB
  • YOUR VALID IDENTIFICATION
  • YOUR COMPLETE SOCIAL SECURITY OR DISABILITY LETTER SHOWING INCOME

Itemization of Charges

  • Returned Check / Returned ACH -   $30 per item
  • Late Fees (more than 5 days late) -  5% of past due amount
  • Interest rates range -  Bi-weekly and Semi Monthly 20% , Monthly 30%, Specials 5% - 20%, APR Rates Range 150% - 521%
  • Defaulted Accounts - Applicable fees related to Court cost and Wage Garnishments
  • Post Judgement Interest according to Delaware Legal Rate, which fluctuates

 

You may print the href="pdf/ezloans-delaware.pdf" target="_blank">application to complete and bring with you to save time if you wish.