Frequently Asked Questions

Q4. Is It Possible To quickly see a crisis loan with a negative credit history?

Q4. Is It Possible To quickly see a crisis loan with a negative credit history?

Most people prefer on-line revenue lending marketplaces over conventional financial loans. Simply because web financial loans have simplicity, ease, and benefits. There are no complex procedures included.

Online loans additionally eliminate the hassle of going to a financial or a credit score rating union and answering the program form repeatedly. Furthermore, most money lending programs or credit score rating unions have several loan providers/ thus, you’ve got a few proposes to choose from.

You can get instant loans without any hassle, even with a bad credit score. Most companies do not care about yevery credit score and link you with online lenders.

You will find, but some needs you’ll want to fulfill to need financing. These requirements tend to be a regular procedure to make sure you can payback the because of amount eventually and put 18+ years, ID/driver’s license, United States citizenship, steady income, a legitimate e-mail or phone number, and a checking profile inside label.

Q5. So what does the debt-to-income ratio hateful?

The debt-to-income ratio is the part of your earnings that you use to settle your obligations. It’s a crucial element become regarded as while applying for an urgent situation mortgage.

If a lot more than 40per cent of your total income would go to the present financial obligation, you might not become another financing. The reason being whether your debt-to-income ratio try anywhere more than 40per cent, the lenders see you as a liability. If the loan providers have the idea that your income is insufficient to repay the mortgage quantity, they see hesitant to lend you money.

Q6. Is-it secure to use a loan on the web?

All of the well-reputed organizations make use of high-standard security systems to keep the hackers from increasing. Thus your own purchases and information is safe with these firms.

Should you want to ensure the internet sites are safer, you need to seek out the tiny eco-friendly padlock icon in top best part of Address bar. This padlock suggests that web site utilizes encryption standards and is safe to use.

Q7. were immediate financial loans guaranteed or unsecured?

The financial loans provided by the companies stated earlier are unsecured. Unsecured loans can be better than secured personal loans as the lenders don’t require the belongings as security. Therefore your fail to create a payment, you are able to keep product property. The lenders, but charge a fee a penalty by means of greater interest.

Q8. What’s the penalty for failing woefully to payback the income punctually?

More loan providers permit you a grace course to manage the because of repayment in the event that you let them know beforehand. This happens frequently; for that reason, more lenders become lenient in this regard.

However, if you don’t tell them ahead of time, the financial institution charges your a penalty. The penalty is generally an additional sum of money combined with the fees. This could hurt your budget and leave you stressed. For that reason, you should carefully manage their spending.

Q9. Best ways to know a payday deferral isn’t a good choice for me personally?

Sometimes, the lenders present a payday deferral, also referred to as a rollover, in the event that you fail to repay with time. A payday deferral was that loan on another financing. It would possibly put worry to your funds if you are already having difficulties to cover one loan. For that reason, cannot sign up for payday deferral if your budget do not allow one to shell out another loan in addition established loan.

Continuous repayment power refers to the automatic detachment from the because of quantity out of your account. The majority of lenders inquire customers to join CPA before finalizing the loan. Because of this, a certain amount of cash is automatically deducted from the client’s membership when payment is born.

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.