How It Works

Are you thinking about applying for a loan with Superior Financial Services? We make the process fast and easy, and you can receive a same-day decision. If you’re approved, we may even be able to provide same-day funding!

Before getting started, here’s a quick look at how the simple process works, what we need from you, and what you can expect moving forward.

Let Us Know the Purpose of Your Loan

We’ll need to know why you’re requesting a loan and how much money you require. Whether you’re recovering from bankruptcy, rebuilding your credit, going through a major life event, or making a large purchase, we have plenty of different loan services available. Here are some of the most common reasons why people borrow money from us:

  • Rebuilding credit
  • Recovering from a bankruptcy
  • Making a major purchase (vehicle, motorcycle, boat, ATV, RV, etc.)
  • Medical expenses
  • Weddings
  • Vacations/recreation
  • Home improvement
  • Debt consolidation
  • Pay unexpected bills

Learn About the Types of Loans

Superior Financial Services offers six different types of loans:

  • Secured loans require collateral.
  • Unsecured loans don’t require collateral, but they do require a certain standard of creditworthiness.
  • Signature loans are a type of unsecured loan that requires your signature, credit history, and employment documentation.
  • Installment loans are loans on which you make monthly payments.
  • Short-term loans are loans you pay back within one year.
  • Long-term loans are loans you pay back typically in over three years, and sometimes much longer.

What We Need

In order to proceed with your loan request, we’ll need the following information:

  • Your social security number
  • Your address and phone number
  • Your income information
  • Your housing status
  • Your bank information

A representative will get in touch if they require any additional information to proceed with your application.

4 Simple Steps

The application process is a breeze. Here’s how it works:

Step 1

Fill out and submit the application online or in one of our seven brick-and-mortar branches in Tennessee. A Superior Financial Services representative will get in touch.

Step 2

We’ll review your application and reach out if we have any questions.

Step 3

After looking over your application, we’ll let you know our decision—usually the same day.

Step 4

Once you’re approved, you sign the paperwork and receive funding—usually the same day.

Will You Get Approved?

While our approval process is much easier than other lenders, approval isn’t guaranteed. However, our loans are great for people with no credit, and although the application process does require a credit check, approval is not score-based, so don’t worry if you don’t have a perfect credit score. If you’re looking for a second chance loan, you’ve come to the right place.

Apply Online or at One of Our Locations

Our online application streamlines the application process, so we recommend starting there. Of course, if you live near one of our 7 convenient locations, you’re more than welcome to apply in person with one of our friendly loan specialists. You can find a branch in the following Tennessee areas:

  • Greeneville
  • Johnson City
  • Bristol
  • Sevierville
  • Alcoa
  • Cleveland
  • Knoxville

We’re Here to Help

We work hard to provide our customers with a superior experience, and we take pride in being members of the local community. If you have any questions about the application process, please don’t hesitate to contact us so we can provide personalized, one-on-one assistance. We want you to feel confident moving forward, and our highly qualified specialists are always happy to help in any way possible.

Let’s Get Started

To sum it up, we just need some basic information from you to get to work on your loan today. Once you’ve determined the reason for your loan and how much money you need to borrow, just fill out the application with some basic details, and we’ll take care of the rest. Apply now, and enjoy quick and easy funding today.

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