FAQs | TDNT Loans

Frequently Asked Questions (FAQ's)

How will this affect my credit? Or will this affect my credit?

Currently, TDNT Loans does not report payments to credit bureaus; although, we do employ services to report and collect on non-payments. We understand and support your interest in building good financial habits and good credit, which is why we are also currently working on expanding our data furnishing agreements to also report good consumer behavior as well. Please contact us to get a status on this effort. We are working on and hope to be able to report your payments soon.

What sorts of rates and terms you offer?

We report our current rates and terms as well as loan availability on our Blog Page and throughout our web pages. Please visit our Blog Page and explore our site to get relevant and current information on loan rates and terms TDNT Loans offers. Submit your application with application fee payment for more specific and individualized rates and terms.

How do I make sure my application for a loan gets processed?

Applying for a loan with TDNT Loans is easy! Follow these simple steps and get approved immediately!

Sign-In and Go to our Apply Page to download a loan application or request a secure online form.
Pay the $15 nonrefundable application fee either on our site's Apply or PAY Online Pages (online payment fees 3.4% + $0.30 apply and subject to change). You can also pay the application fee by ACH Bank Transfer or via a mailed USPS money order or a cashier's/certified check. Simply complete the ACH Bank Transfer form on page 3 of the application to submit to us. See the Apply and PAY Online Pages as well as the application forms for more information.
Complete the application form and Gather required documents.
Submit the completed application and required documents to us via our email (secure link), mail or online via File Share.

How long does it take to get approved?

Typically, we ask to allow us at least 7 days to process loan applications; however, this process can take up to 30 days to complete. Several of our Borrowers thus far have enjoyed processed applications within 1-3 days of making their application fee payment and submitting their completed application and documents. If you click the application fee link, you will also find the option to pay an Expedited Loan Processing Fee; making this payment will ensure your loan application is processed within 3 to 7 days with your *engaged cooperation.

So, is the application fee refundable?

No, the application fee is nonrefundable although you may receive discounts towards your already paid application fee. You are likely to receive a credit on account for this discount or a refund if you do not currently hold an account with us, but qualify for the application fee discount. The application fee must be paid first, however, in order for us to process your discount. The Expedited Fee is nonrefundable.

What other fees are involved?

Currently, TDNT Loans assess only the following fees when applicable: application fee, origination fee. The following fees are optional and upon request from Borrower: expedited loan processing fee, additional invoice fee, and payoff letter request fee. We at TDNT Loans have no hidden fees. The fees we assess will always be disclosed to you with prior notice. Borrowers are typically responsible for additional costs we incur as a result of Borrower's behavior or requests. As example, Borrowers are responsible for NSF fees and similarly incurred fees. See our loan application form, invoices, payoff letter request form and loan agreement (also on our Apply Page) for more information.

What is File Share?

File Share is where you can submit required documents to our site via upload. You would first make a request and schedule a date, a week or 7 days in advance, in order to access File Share. Go to our Schedule File Share Appointment Page to book your upload appointment. Scroll down to the Calendar to see available dates. Choose an available date to book. Do not double book your appointment as you will not receive a code and will have to reschedule. You will receive an access code which you will need to enter File Share on the date you scheduled. You are typically allowed a day (20 hours) to access File Share within each Document Submission Stage.

What are the Document (Submission) Stages?

We currently have three Document (Submission) Stages. The First Stage involves submitting the application and documents required to apply for the loan. The Second Stage involves submitting or returning your completed loan approval letter and executed (signed) loan agreement. The Third Stage is optional and involves returning or submitting Payoff Letter Request Forms.

How do I upload documents online?

Upload required files online via File Share.

How do I get a Payoff Statement from TDNT Loans?

You must first download the Payoff Statement Request Form online from Your Account Page or from the bottom of our Apply Page. Complete the form and return to us via email, mail or online via File Share.

What forms of payments do you accept?

We accept ACH bank transfers and payments thru Debit or Credit cards. Certified or Cashier's cheques and USPS money orders can be submitted via mail or in-person when possible/available. We recommend that you Contact Us first on your account page or via our email to notify us that you have mailed us and are paying us with Money Orders, Cashier's or Certified Checks.

Where do I make payments?

Please review your Loan Agreement and Loan Approval Letter for more information and payment options specific to you. Generally, you are able to pay online by using your debit or credit card on your Account Page on this website. (Go to our PAY Online Page) or pay directly to us via ACH bank transfer. You may prefer to send payments via mail by cashier's cheques, certified checks, or *USPS money orders. Prior notification to TDNT Loans is recommended for payments with money orders or cashier's/certified checks.

So, what charitable organizations are you affiliated with or that you know?

We have a list of charities that we have donated to in the past and recently; however, this list does not preclude which organizations we donate to in the future nor does it limit future donations in any way. We are open to donating to different and diverse legitimate charitable organizations. One of the most recent charitable non-profit organizations we currently know is Eli & Riah Shining Heart Foundation, which we believe helps feed and provide school supplies to school-aged children. We welcome suggestions and recommendations of charitable and nonprofit organizations you would like us to get to know. Simply contact us with your recommendations.

How do I donate?

Simply Click the Donate Now button up top! You can make one-time donations in any amounts or may prefer to enroll in monthly or yearly plans. Benefits and discounts are provided to Donors!

What sort of benefits can I get with my donations?

Dollar value benefits by way of discounts in the form of credit to account or refunds are provided. Application and Origination Fee Discounts can come in very handy and useful when applying for and taking out a loan with TDNT Loans. We can be very generous in appreciation of your generosity and loyalty. We also provide Donor Awards that can be used personally as commemoration of your efforts and financially as proof of donations. See our Relationship Lvl Benefits Page for more details.

Are there other additional discounts that TDNT Loans provide?

Yes, TDNT Loans have implemented the EPGTLP Application Fee Discount, which former account holders are eligible for should they meet the criteria and eligibility requirements. You must have had a loan account and have paid off the loan balance in full to qualify. You may be eligible simultaneously for Donor Discounts and EPGTLP Discounts. TDNT Loans will combine and apply all eligible discounts upon eligibility and request.

How do I know if I am eligible for Benefits and which benefits I am eligible for?

TDNT Loans will notify you via email whenever you become eligible for a benefit. You may also visit our Relationship Lvl Benefits and our Donate Now Page for more information. Review any correspondences such as Final Payoff Certifications from TDNT Loans as they may also include information on your eligible benefits and discounts.

How do I request benefits or discounts?

Claims for Donor and EPGTLP Benefits can be made to our email, our mailing address or online thru our Contact Us web form.

What does it mean to build a Relationship with TDNT Loans? How do I build a relationship with TDNT Loans?

To have a relationship with TDNT Loans means that you are valued and that you have access to exclusive deals and discounts on TDNT Loans products and services. There are ways to strengthen your relationship loyalty with TDNT Loans; some of which include:

Taking out a loan with TDNT Loans,
Opening a Financial Goal Savings Account or
Opening a Prepaid Card Account with TDNTCSA,
Being affiliated with TDNT Social Services, Inc. business-wise (by being an Affiliate Member whether a voting, limited voting or nonvoting member, or by being an Executive Member whether an officer or director),
Being a partner or beneficiary, and
Donating to our Cause.

What is TDNTCSA?

TDNTCSA is an extension of TDNT Loans, still a charitable Program under our Nonprofit organization. TDNTCSA offer products and services like our Financial Goal Savings Accounts as well as our Prepaid Card Accounts to clients at low and affordable prices. We truly do not make any profits but instead pay third party processors the fees that you pay us in order to bring you these products and services. Our Volunteers (Officers, Directors, Members) dedicate their time, service, resources, talent, knowledge, kindness and professionalism to bring you these services. Visit our About Us and our What We Offer Pages for more information.

How do I open a Financial Goal Savings Account with TDNTCSA? How does the process work?

Having an account with TDNTCSA means that you are becoming more savvy and educated on managing your finances. You are utilizing financial tools to help improve your quality of life. If you'd like to have an account so that you do not carry cash around or just to learn to save without all of the traditional bank fees and hassles, or you have been denied a bank account in the past, TDNTCSA is a great option for you.

Log In & Go to our APPLY Page to open a Financial Goal Account with TDNTCSA. There are NO ($0) application fees to open a TDNTCSA account.
For greater access to your saved account funds, we recommend that you also purchase a TDNTCSA Spend Card to use to make purchases or pay bills online or in-store anywhere accepted, much like a debit or credit card. The TDNTCSA Spend Card is truly affordable and convenient, currently priced at $5 with a 12 to 24 months expiry date. A great deal!
Once you complete and submit the application including the ACH Authorization Form, you will be sent further instructions on how to create your TDNTCSA Connect Acount for your bank transfer withdrawals. It is an easy process!
You must make your initial deposit, which currently is a minimum of $10, within the first 14 days of submitting your application. We accept deposits by debit or credit cards, ACH bank transfers, or USPS money orders. You must provide your payment information on the ACH Authorization Form as well (credit/debit card, bank account. etc). ** **You must have been a TDNTCSA client for at least 10 months to make deposits by cashier's or certified checks.

What about Personal Checks? Can I make deposits with personal checks?

Affiliate Members (voting, limited voting, nonvoting) of TDNT Social Services, Inc. can start sending checks (certified, cashier's, personal checks) after their first 30 days of active membership, unless previously barred from doing so. Executive Board Members (officers, directors) of TDNT Social Services, Inc. can start sending checks (certified, cashier's, personal checks) immediately upon opening the TDNTCSA account to make deposits, unless previously barred from doing so. You will be notified on an individual basis once you are no longer eligible to make deposits by personal checks.

Are there any fees associated with my Financial Goal Savings Account with TDNTCSA?

You only have a low monthly maintenance fee assessed on your TDNTCSA account. It is currently $3.75 per month. There are no other fees. Your TDNTCSA Spend Card is only a one-time $5 payment plus a small processing payment fee (less than a dollar); and your card has an expiry date of 12 to 24 months, meaning you will not have to get another card until it expires in one (1) or two (2) years.

Are there any withdrawal fees? Or Fees to use my TDNTCSA Spend Card?

There are NO ($0) withdrawal fees when you use your TDNTCSA Connect account or your TDNTCSA Spend Card. Withdrawals are FREE when you use these methods. There is a small $4 fee when you withdraw by USPS Money Order. You do however have a small deposit fee each time you make a deposit with your credit card, your debit card, or via checks (certified/cashier's). This will be detailed on your TDNTCSA account. Currently, the small one-time deposit fee is 3.4%+0.30 if using a debit or credit card; 0.8% + 0.2%+0.20 if using ACH bank transfer; $5 if mailing in a cashier's/certified check or USPS money order.

Are there any minimum balances or minimum deposit to keep my TDNTCSA account open?

You must keep a minimum balance of $10 on your TDNTCSA account or else the account will automatically close. The small maintenance fee due will be deducted when applicable and any other pending transactions (withdrawals) you've made. You will be provided with options on how you would like your remaining balance to be sent to you, whether via your TDNTCSA Connect Account, via your TDNTCSA Spend Card or by USPS Money Order. You must have at least $4.01 remaining on your TDNTCSA account to request your remaining balance by money order. The $4 money order fee will be deducted from that balance. The initial minimum deposit requirement for your TDNTCSA account is $10 deposited within 14 days of the opening date.

Do I need a TDNTCSA Prepaid card if I already have a TDNTCSA Spend Card?

You can have a TDNTCSA Spend Card and still purchase a TDNTCSA Prepaid Card. Those are two different types of cards and can serve different purposes depending on your preference and need. You can open up a TDNTCSA account and purchase a Spend Card even after you've purchased a TDNTCSA Prepaid Card. You are eligible for a TDNTCSA Spend Card once you have opened a TDNTCSA account. You can purchase TDNTCSA Prepaid Cards without holding a TDNTCSA account with us. Your TDNTCSA Spend Card is on your name. You can purchase a TDNTCSA Prepaid Card on someone else's name as a gift or without any names for yourself or as a gift to someone else. TDNTCSA Prepaid Cards comes as either reloadable or non-reloadable. Please visit our PAY Online page for more information on our prepaid cards.

What is the difference between a TDNTCSA Prepaid Card and a TDNTCSA Spend Card?

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