The information below provides answers to some of the most frequently asked questions about installment loans. If you cannot find the answer or information you are looking for help, please don't hesitate to contact us at (800) 585-1187 or via email at

No, this is not a payday loan. Payday loans need to be paid in full on your next pay date. Our loans are installment loans meaning payments are spread out over 6 months. However, we do encourage you to pay off your loan as quickly as possible to save on interest.

There isn't any! In order to apply, you'll be asked to review and accept the loan terms by electronic signature to submit your application. Your finance charge and APR will be fully disclosed to you in your loan agreement. We want you to know every detail of the loan before committing yourself to it.

With Redwood Coast Finance, you may be able to qualify for a loan with bad credit, or even no credit at all.

To see if you qualify, simply fill out our online application form. Once we verify your personal information and you meet our underwriting requirements, you may be approved for an installment loan in a matter of minutes! There's no risk to you! Apply NOW to see if you qualify.

The total cost differs for every loan. Our finance charge is based on your creditworthiness, our proprietary scoring method, the amount you chose to borrow and the length of time you chose to keep your loan outstanding. Your finance charge and APR will be fully disclosed to you in your loan agreement. Apply today to see if you're qualified, speak to one of our loan agents and review your loan agreement for your specific costs. There's no risk in applying! Apply NOW to see what you qualify for.

You must be at least 18 years old (19 in Alabama), have a job or other regular source of income, an active and valid checking account (savings and prepaid accounts are not accepted), and an email address.

Arizona, Connecticut, Georgia, Minnesota, New York, New Mexico, North Carolina, South Dakota, Utah, Virginia, Vermont and West Virginia. Availability in any state is subject to change at any time at the sole discretion of Redwood Coast Finance.

Military personnel and their dependents are NOT eligible for a Redwood Coast Finance loan.

This type of loan is NOT a good fit if:

  • Your intention is to use your loan as a long term solution for your financial needs
  • You plan to use your loan to consolidate other debts
  • You are not confident that you'll be able to repay your loan by the due date

Redwood Coast Finance loans, also referred to as personal loans, or installment loans, are a means for consumers to get quicker access to a relatively small amount of money at a time to help with short-term needs. The loan amount is generally less than a typical bank loan, between $300 and $1,000, and there is a quicker approval process to receive your money. The entire process is handled online and over the phone.

Loan amounts are determined by the information provided on your application and any available payment history.

The annual percentage rate (APR) varies depending on the terms of your loan as well as your payment history. The maximum APR of any Redwood Coast Finance loan is 699% and it is important to note that these loans are not intended to be used as a long-term financial solution or to supplement limited income. These loans can offer emergency relief if you are short on money and need funds to cover an urgent expense.

New customers must go to the Apply Now page and fill out our online application. After you press submit you will be notified if your application has been conditionally approved within a few seconds. If you are a returning customer, you can log in to take advantage of our express application.

You will receive a notice indicating if you have been conditionally approved for a loan within seconds of submitting your application. If you do not receive this message, please contact Customer Support at Redwood Coast Finance.

Redwood Coast Finance requires your banking information in order to deposit your funds directly into your account as soon as the next business day through Automatic Clearing House (ACH).

After finalizing your loan approval process, the funds are generally direct deposited by the next business day into the bank account listed in your loan agreement.

In certain circumstances you may be able to cancel your loan agreement with us without incurring costs or finance charges. To do so, please call us at (800) 585-1187, and provide us written notice of your wish to cancel your loan agreement by email at

All payments will be processed on the due dates as set out in the terms of your loan agreement. If the situation arises that funds will not be available in your account, please contact us three business days prior to the due date at (800) 585-1187. A late fee of any payment not received within 3 business days of its due date will be processed; you may also be subject to additional fees.

By default, our system will take your payment on the business day before a holiday.

Our Customer Support Team is available at (800) 585-1187 for any inquiries into your balance, payment history or to make changes to your account or loan. You can also Log In to the Member Area of our web site at any time to view loan information.

In order to process changes to your next payment, we require at least 3 business day notice prior to your next due date.

Please note that Redwood Coast Finance is not able to process change requests online, however you are able to view your current loan agreement online.

Log In to our self-service feature at any time of the day or night to view your loan information.

Alternatively, our Customer Support Team can be reached at (800) 585-1187 to update your account information, or you can email us to update non-confidential information at

Automatic withdrawal from your checking account using an Automatic Clearing House (ACH) direct debit system each due date. Please be advised that if you don't have enough in your account to cover the full payment amount owed, you will be charged a $25 Refused Instrument Charge. If your payment is not received within 5 calendar days of its due date late, a late fee of $25 will be applied to your account.

Our Customer Support Team is available Monday to Friday 8AM to 5PM CT and you can reach us at (800) 585-1187, by email at or through our Contact Us page where you will find additional information.

If you are not completely satisfied with your experience, please let us know. You can contact us by phone at (800) 585-1187, by email at or by mail at the address below:

Attn Customer Support Redwood Coast Finance
PO Box 11422
Santa Rosa, CA 95406

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