Frequently Asked Questions

Pay day lenders sector their products or services since simpler answers to short-term cash-circulate dilemmas

Pay day lenders sector their products or services since simpler answers to short-term cash-circulate dilemmas

You should never purchase the hype. When you’re incapable of pay bills, you may possibly be even worse out-of by using aside a payday loan.

To be honest: Pay day loan was an incredibly expensive sorts of borrowing from the bank currency. They frequently hold multiple-thumb rates of interest and can include a myriad of invisible costs. You to definitely pay day loan can simply snowball to your a lot of debt having you to definitely nearest and dearest to deal with. Of many pay check borrowers show up quick to their loan’s deadline, so they must take out an alternative financing to settle the old one. Or either, lenders deliver people a lot more dollars whenever they sign up for an effective the new loan to settle the existing you to definitely. This is entitled moving more than that loan. Anytime a loan are rolled more than, the financial institution tacks on the a lot more charges. This produces a period away from financial obligation at which some group never get well.

Individual Defenses Not as much as Illinois rules, users take pleasure in healthier defenses throughout the payday loans industry’s poor practices. Illinois legislation handles consumers out-of endless move-overs and requirements fund are based on a good borrower’s function to pay. What the law states, introduced last year, in addition to written another type of variety of loan the small personal bank loan that’s a bit less expensive than the traditional pay check product. However, despite these the brand new protections positioned, users have to take action warning when choosing whether to sign up for an effective mortgage to fulfill its disaster costs. The expense of short-identity credit in the Illinois remains very high.

Around three Brand of Loans Brief Unsecured loan: There are around three style of pay-day otherwise payday-for example financing bought in Illinois. The lowest priced of those is the short personal bank loan. Less than Illinois rules, a lender may charge an apr (APR) away from just about 99% towards the a tiny personal loan. This is exactly certainly not cheap, however it is even less expensive than just a quick payday loan. Thus, make sure to check around. Query a lender whenever they offer small individual fund. End up being specific. Once they try not to promote her or him, move on to a shop one does. Stores you to sell pay day loan usually do not sell short individual fund. It is illegal.


The truth about Cash advance

personal loans with low credit

And having straight down interest rates, brief consumer finance keeps offered conditions than simply cash advance generally speaking long-lasting throughout the annually or maybe more. Stretching your payments off to big date is a sure way to greatly help keep them under control. To ensure your stay-in your own quick consumer loan for a lengthy period to spend off a serious portion of your balance, the fresh new law forbids loan providers of rolling your more than with the a the fresh new loan in the first 75 times of your own loan’s term. Concurrently, by-law, a little individual loan’s monthly payments is only about 22.5% of your terrible monthly income.

Pay-day Installment Loan: Such as for instance small consumer finance, pay day installment fund features longer conditions than traditional payday loans, long-term to six months. But not, pay-day cost loans much more pricey than just small individual loans, having APRs powering as much as 400%. Due to this you must make all the effort in order to qualify for a small consumer loan or, essentially, a notably less pricey financing just before given a pay day equipment.

Illinois rules does offer payday loan consumers with many protections against the new years off financial obligation

Such, a loan provider try not to roll over the loan if the doing this manage make you stay with debt for longer than six months. Plus, a pay check installment loan’s monthly payments will be just about twenty-two.5% of your own gross month-to-month income.

Payday loan: An online payday loan is truly a short-name mortgage; it needs to be reduced in 2 so you can a month. Such as the payday payment loan, an instant payday loan can carry an apr as high as 400%. The combination of short-term and you may large prices boosts the probability that you will be unable to pay off their pay day loan in terms due.

If this happens to you, and remember you to significantly less than Illinois law, you are permitted enter an interest-totally free payment package with your bank after you have held it’s place in personal debt for more than thirty five weeks. That one applies simply to payday loan, to not pay-day fees money, while need to consult it. In addition, the law forbids lenders off giving a separate pay day loan if the it can end up in your own staying in personal debt for more than 45 days in a row. Along with her, those two terms are created to bring pay day individuals certain respiration room to pay off its dated pay day loan loans without being hidden significantly less than a lot more fees and you can charge.

Think Other choices Using their very high interest rates and some fees and costs, quick individual money, pay check payment funds, and you can pay day loan can simply change a primary-identity overall economy to your a lengthy-identity loans problem. You really need to fatigue most of the you’ll information loved ones, chapel, friends even before you believe taking right out one among them high-prices funds.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.