Frequently Asked Questions

Our guidelines are more inclusive than those used by traditional lenders, like banks and credit unions. We don’t rely on your credit score from one of the three major credit bureaus to determine if you qualify for a loan. As such, bad credit has a very different meaning to us. Submit an application with us, that way we can look at your unique situation.

Clear Air Lending does not make loans based on your credit history with one of the three major credit bureaus. We run a credit check with the specialized credit bureaus, and not the major bureaus used by banks and credit unions. We also look at other data sources to determine your creditworthiness. We encourage you to apply with us.

We don’t do a credit check with the three major credit bureaus, the ones that calculate credit scores used by lenders like banks and credit unions. Your credit score with those bureaus should not be impacted.  We utilize alternate data sources who may obtain information from one of the three major credit bureaus. If they do, your application with Clear Air Lending may show as a soft inquiry on your credit report from the three major bureaus. However, the three major bureaus don’t consider soft inquiries when calculating credit scores.

You’ll need a consistent, verifiable source of income, an open and active checking account, and be able to provide verifiable and accurate information as to your identity. Also, you must meet all legal requirements to enter into a contract. (All verifications can be done automatically online for most applicants.)

We use Instant Bank Verification (“IBV”), a secure and safe process, to verify that your checking account is open and active. We built IBV into our online loan application to save you time. If you do not agree to IBV or your bank does not support IBV, we must contact your bank with you on the phone to verify your account. In such cases, you’ll see an instruction appear on screen asking you to call us. By opting into IBV, you grant us one-time, temporary access to view your bank statements. Granting us IBV access does NOT allow us to withdraw, credit, or transfer funds from/to your account. We are not able to access your account again in the future either.

If approved, new and returning customers can borrow between $300 and $2500.

You don’t need an offer code to apply with Clear Air Lending. Just click the “Don’t have an offer code? Click here,” and you’ll go right to the next step in the application.

We’ll match you to any active offer you have on our end. Just click the “Don’t have an offer code? Click here,” and you’ll go right to the next step in the application. 

Click the Continue Application link in the top of this website and login. You’ll start at the last step you completed, so you can finish and submit your application. If you started your application more than 14 days ago, you may be directed to the start of the process once you login.

Don’t worry. Periodically we receive an application that requires additional attention.

We’ll email you if we need additional documentation from you to make a decision. Be sure to send in any documents we requested as soon as possible so we can issue a decision.

We may just need to take a second look at the request, and not need any additional information from you.

It won’t take us long either way.

Once we complete the review, you’ll get a decision by email. If that email says that your application is approved, click the link in the email or on Continue Application in the top navigation of this website. Login and you’ll land on the next step(s) you need to complete so we can fund your loan.

You have 7 days from the date that you submit your application to complete the approved loan steps. After that time, we’ll automatically withdraw your application and send you a notice by email. You’ll be able to apply again in 30 days.

If you need to check on your application decision or review and sign your loan documents, click Continue Application in the top of this website and login. You’ll start at the last step you completed.

You have 7 days from the time you submit your application to finish the review and sign process. After that time, your application will be automatically withdrawn, and you’ll get a notice by email. You can reapply after 30 days.

If you already signed your loan documents and your loan funds have been sent out, click My Account in the top navigation menu of this website. Login to self-service to view your loan documents and other information about your loan.

If your application was denied, you are welcome to reapply after 30 days.

The company you initially contacted and provided information to was a third-party lead provider. You may have found them via an internet search or advertisement, or you visited their site directly. Their website or the disclosures that they provide to you should disclose that they are not a lender. That company you initially contacted connects you to a lender via a network. We participate in that network to acquire qualified consumers. We’re thankful for the opportunity to help you Clear the air of short-term financial stress. When you’re ready, click Continue Application to move forward in the process with us. It only takes a few minutes

Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If you need to be transferred to a Navigation Crew Member after hours, Breeze will see that a Navigation Crew Member emails the answer to you the next business day.

APR stands for Annual Percentage Rate. It is the total cost of credit, and not your interest rate. It includes the total interest you will pay in a year (or for the term of your loan if less than a year) plus any fees charged at the time the loan is made. That total is divided by the amount you borrow (the principal) to calculate the APR. By law, all lenders must disclose the APR in the loan agreement. You should use the APR to compare one loan to another as it reflects the true cost of credit.

 The APR does not include late fees, returned item fees, or other fees you might incur after the loan is funded and you begin making payments.

Clear Air Lending does not charge any fees to apply with us, take out a loan, or other fees considered as part of your finance charges. You will be charged interest on the amount you borrow. You may incur late fees, returned item fees, or other fees once you begin repayment if you pay late or your payment is returned by your bank.

We’ll give you the option to enroll in autopay if your application is approved. You will make your selection before you review and sign your loan documents. By enrolling in autopay, you’re giving us permission to draft your payments from your checking account when they are due. With autopay, your payment is never late, and you avoid being charged late fees. We’ll discount APR by 25-percentage points, too. You’ll see this reflected on your loan agreement.

We make reviewing your loan documents and signing a breeze. If you are approved, in most cases you will see a message letting you know that decision soon after you submit your loan application. Click the button to review your loan documents and then electronically sign them all online from your computer, smartphone or tablet. The system is secure, simple and straightforward. If you have any questions in the process, click the chat icon in the lower right corner of your screen to get Clear answers.

If approved, click the button in the application to review and sign your loan documents. As you progress through each document, click on the printer icon in the top right corner to print each document or save to your device. After we fund your loan, click the My Account button at the top of the page to login and see those documents anytime.

Once you sign your loan documents in our secure, online portal, Clear Air Lending will deposit the amount you borrow (the principal) in your checking account by ACH. ACH stands for Automated Clearing House network. It is a secure and fast way to send and receive money. You may know this process as direct deposit.

Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If you need to be transferred to a Navigation Crew Member after hours, Breeze will see that a Navigation Crew Member emails the answer to you the next business day.

Of course not. That would go against our commitment to empowering consumers to build a better financial future.

Any autopay drafts for a payment due on a Saturday, Sunday, or banking holiday will be debited from your account on the following business day. Always refer to your signed loan agreement for specific details.

Please contact us at least 3 business days prior to your next payment due date. Be sure to have your bank name, routing number, and account number ready.

Please contact us at least 3 business days prior to your next payment due date to discuss your options. Non-payment of your loan could result in late fees and, ultimately, collection activities. We may have options to help.

Access your account 24/7 to get your next payment due date, payment amount, outstanding balance and more by clicking  My Account in the top navigation menu. From there, login to our user-friendly and secure self-service system to get the Clear view on these details and more.

We’ve got a straightforward way for you to make an additional payment on your loan whenever and wherever you want. To access the Self Service Portal and make an addtional payment, click on My Account in the top navigation menu.

You can schedule a pay in full anytime in our secure Self Service Portal. Click here for details on how to schedule a pay in full. To access the Self Service Portal, click on My Account in the top navigation menu.

Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If after hours, Breeze will see that a Navigation Crew Member emails the answer to you on the next business day.

We recommend paying your loan off early to save on charges and then reapply. If you qualify for Clear Access, you can get a higher loan amount at the reduced Clear Access APR on that next loan. Clear Air Lending does not offer a refinance loan or a refinance loan with cash out at this time.

Qualified returning customers may receive a higher loan amount based on their status, up to $2,500.

Once you make your final payment and it clears your bank account, it’s smooth sailing. Click My Account to login. Then click the “Apply for a new loan” button. Your expedited Clear Access loan application will take a just a few more minutes from there.

We’ll send you emails after you pay your current loan in full to let you know if you qualify for Clear Access. The emails will include your Clear Access status (Amber or Ruby).

If your final payment has cleared your bank and you need to another loan before you receive an email, please click My Account to login. Then click the “Apply for a new loan” button to begin your expedited application. We’ll automatically apply any Clear Access benefits you’ve earned.

Please do! If you need a loan in the future, helping you would really make the sun shine through for our team. Click My Account to login. Then click the “Apply for a new loan” button. Your expedited Clear Access loan application will take just a few more minutes from there.

Status is not the only determining factor regarding the loan amount offered. You must meet the underwriting requirements for a loan amount increase. A change in income, employment, or debts can impact your loan amount.

Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If after hours, Breeze will see that a Navigation Crew Member emails the answer to you on the next business day.

Visit the Clear Air Lending Subscription Center and enter your email address. You’ll see a list of all the communications available for you to manage. Update what types of communications you’d like to receive from us and in what format by checking or unchecking the box by that communication.

Clear Air Lending uses electronic communications in the form of Emails and Texting with appropriate consent. Our communications may include links to clearairlending.com, cal.loans.com, or simply direct you to the appropriate landing page. If you ever have questions about a link please go to the website and contact us via chat, email, or call customer service.

Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If after hours, Breeze will see that a Navigation Crew Member emails the answer to you on the next business day.