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ExtraLend Review 4.9

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Company Profile
Loan Details
Personal Details Required
Service & Support
States Serviced
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Company Profile are a US owned and operated installment loan lender based at 1041 4th Avenue, Suite 302, Oakland, CA 94606. The company has been in operation since 2005 and during that period they have built up a network of 300 lenders which offers its customers more choices and more options when it comes to finding a installment loan that is right for their specific needs. They have the online application process, a telephone application, and storefront locations throughout the US that are open Mon-Fri from 9am until 6pm.

Service provide customers with a installment loan of between $1000and $3000 dependent upon financial circumstances. To apply for a loan, you will first need to choose a pricing band from a dropdown list of the following:

  • $200 - $1000
  • $1100 - $1500
  • $1600 - $2000
  • $2100 - $2500
  • $2600 - $3000

Once you have completed this step you get an instant decision, where you will then be matched up against lenders who meet your needs, as 247Hour are not a direct lender themselves. Once you have chosen a lender you can then get cash direct deposited, usually on the same working day.

Loan Details

Loans given out for customers wishing to borrow from $200and $3,000 dependent upon financial situations. The loan will period differ for each lender and each State but usually you will be required to pay back the full amount of the loan during the course of 14 or 30 days’ dependent upon are what you selected during the application process and the size of your loan. Payments to you can be made to you on the same-day as you are approved for the loan or via an overnight process if you are approved late in the day.

  • APR – The APR will be based on the State that you are in but the APR will generally range from as low as 200% upwards of 1350%.
  • Loan Amounts – You can borrow up to $1000 or the maximum amount allowed by your state for a payday loan.
  • Loan Fees – The loan fees are usually made up from the APR which vary by States, but also can include additional fees or collection fees as outlined by the payday loan provider in their terms of agreement. 247Loan do not charge any fee for the loan application or approval process.
  • Late Penalties – All late payment fees will be determined by the actual lender. As with all fees, the details will be given to you prior to agreeing to the loan. However, you can expect late fees to be in the form of a returned check fee which vary by State but range from $20 - $40. It is also advised that speaking with your lender directly can help as they will work with you to either renew or refinance your loan.
  • Options to Extend Loan – The option to extend a loan varies on a state-by-state basis, some states may require you to pay the loan off when it is due, and others may allow you to extend your loan or refinance it.
  • Length of Time to Get Cash – Providing you meet all criteria and have all the information and evidence available at the time of applying you can get a lender matched to you within 90 seconds after completing a 2-minute form. Once approved with 247Loan the cash will be paid out on the same-day in some cases, but if not you can expect an overnight payment into your checking account.
  • Fax Required - In most cases no fax is needed but in some situations you may be required to fax across supportive evidence to your lender.

Personal Details Required

In order to keep the process smooth and to get the cash to you in the quickest time possible it’s advisable to have all your documents ready for checking. These include the following mandatory requirements in order to meet the approval criteria:

  • Proof of Income
  • An Approved Form of ID
  • A Current Bank Account
  • Zip Code
  • Date of Birth
  • Last 4 of SSN#
  • Credit Type (ie poor, good, excellent)

You may also be asked for further details which include your home address and telephone number so that the team at 247Loan can contact you in regards to your applications process and to then confirm when your money will have paid out.

Service & Support

ExtraLend offer a live chat system where you can instantly begin a conversation with a customer service agent if you prefer not to call or wait for an email back. Any questions you have can be directed over this secure system. There is also a handy FAQs section that the site features which will help you understand more about the process of applying for a installment loan at ExtraLend, but also offers support on general installment loan questions.

States Serviced

ExtraLend provide their services to all states apart from the following: GA, AZ, WV, AR, OR, ND, WA and NY.


If a quick fast cash loan is something that you need then you will find that the services offered by ExtraLend are ideal for getting money into your bank quickly for those unexpected bills. With a borrowing range of between $200and $3000 you can pay anything from an unexpected phone bill to a major car repairs, and as the money goes into your bank within the same day you don’t have to wait around. If you happen to get stuck or need to ask any questions about your account, you can also utilize the live chat facility on the site.

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  • Borrow up to $3,000 with quick application
  • Same Day Cas
  • OLA accredited
  • Chat support


  • Not available in every state

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