Personal Loan Questions

At Overland Funding, we strive to provide a seamless loan experience for our customers. Here's some key information about our personal loan offerings:

1. Loan Disbursement Timing: If approved by 4:30 pm CT, Monday through Friday, funds are typically deposited via ACH by the next business day.
2. Personal Loan APR: Our annual percentage rates (APR) range from 4.95% to 35.99%.
3. Personal Loan Amounts: You can apply for a personal loan between $10,000 and $75,000.
4. Loan Terms: Our loan terms vary from 24 to 60 months, allowing you to choose the repayment plan that best suits your needs.
5. Early Repayment: You have the flexibility to pay off your loan ahead of schedule at any time, without incurring penalties.

For more information on our personal loans or to discuss your specific needs, feel free to reach out to us.

At Overland Funding, we understand that navigating debt resolution can be challenging, and we're here to assist you. Here's some essential information regarding our debt relief program:

Tax Consequences:
Cancelled or settled debts exceeding $600 may be reported to the IRS by creditors. You must include this amount in your tax return. However, the IRS may allow you to write off income from cancelled debts up to the amount you were insolvent during that tax period. Consult a tax advisor for personalized guidance.

Negotiating Debts Yourself:
While you can negotiate your debts with creditors on your own, the process can be complex and time-consuming. Overland Funding's experienced consultants can negotiate on your behalf for fair debt resolutions.

Credit Repair:
Overland Funding does not provide credit repair services.

Creditor Calls:
We cannot stop creditors from contacting you. However, the Fair Debt Collection Practices Act provides guidelines that collection agencies must follow.

Risk of Lawsuits:
Creditors can sue you to recover their funds, but most prefer negotiating a settlement. Our debt resolution program offers you experienced consultants on your side.

Using Credit Cards:
You cannot use credit cards included in the Debt Resolution program. Avoid using other credit cards, as our focus is on getting you out of debt.

Credit Impact:
Debt Resolution's primary goal is to help you settle debts, not to improve your credit. Various factors determine creditworthiness. Visit www.myfico.com for more information.

Considering Bankruptcy:
Debt settlement does not guarantee safety from bankruptcy. Seek advice from a bankruptcy attorney.

Overland Funding Program Eligibility:
Our debt settlement program is designed for those experiencing financial hardship, late on unsecured debt payments, or facing bankruptcy as the only alternative.

Debt Settlement Process:
Our consultants analyze your financial situation, establish a Trust Account, and recommend a monthly savings level. Once enough funds are saved, we negotiate a settlement with your creditors.

Application Process:
Contact our team to learn if you qualify for our program. We will review your application and provide a complimentary introductory consultation within 24 hours.

Program Qualification:
Our debt resolution program is not for consumers who can pay off their debts. However, if you're struggling with mounting debt, our consultants can help develop a reasonable payment plan and negotiate with creditors on your behalf.

Debt Settlement Program Eligibility:
The program is intended for consumers facing severe financial hardship, unable to pay unsecured debts, and at risk of bankruptcy. Qualifying hardships include loss of income, death of a financial provider, medical emergencies, or divorce.