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You Asked, We Answered

Frequently Asked Questions


What is an installment loan?

An installment loan is a loan that is repaid over time with a set number of scheduled payments. EFS Fincance provides money to individuals who are qualified using a short application process.

How do I apply for a loan?

  • Online – Fill out our simple online application.

  • In Person – Visit EFS Finance and complete an application with a helpful representative.

  • Over the Phone – Call EFS Finance to speak with a caring representative who will guide you through applying over the phone.

What if I don't have good credit?

EFS Finance  provides credit in exchange for only a signed promise to repay, we do take credit history into account during the approval process. However, loans can be approved without credit decision.

What if I didn’t file taxes last year, or forgot to file taxes, should I file a late tax return?

You should first determine if you were required to file a return. If your income was under certain levels, you’re not required to file. See the filing requirement in Publication 501 under "Who must file." If you do have a filing requirement, then you should:

  • File your last year’s federal and state returns on last year's forms.

  • Pay any balance due as soon as possible to avoid additional penalties and interest.

I received an IRS Notice CP2000, can EFS help?

This notice basically proposes taxes, and possibly penalties, you might owe for missing income on your return. Sometimes, the IRS can question deductions or credits you took that don’t match information statements filed under your Social Security Number. Our tax professionals specialize in IRS issues and will assist you along the way.

**Approvals and loan amounts subject to our credit standards. Not all consumers will qualify for a loan with EFS Finance.

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