Frequently Asked Questions

Q4. Is Online Lending Better Than Conventional Lending?

Q4. Is Online Lending Better Than Conventional Lending?

You can get an emergency loan for anything that you need and almost every situation that can happen. For instance, people usually get emergency loans to pay medical expenses after an accident or in medical condition. If you were rushed to an emergency room or you had an unfortunate event, such a loan can cover your medical costs on time.

If you worry that you won’t be able to pay the bills or utilities on time, then you can get an emergency loan to cover it. Paying the utilities on time is essential, and it can also affect your credit score. Other reasons to get emergency loans with bad credit are rent or mortgage payments for which you can’t get enough funds to pay on time, funeral expenses, and car home renovations that are sometimes inevitable.

If you have any other unforeseen event or life situation and you are not sure whether you can take a loan, we recommend contacting the lending platform and the lender and reviewing the limits and restrictions they have. Although a lender may not have minimum credit score requirements for approval, the terms of your loan will be determined by your credit score.

Regarding loans, both online lending and conventional lending have their own positive and negative sides. However, we recommend trying online lending for several reasons.

The first positive thing is that you don’t have to travel and tighten your schedule, but you can apply for a loan anytime during the day and from the comfort of your own home. The lending websites provide short and straightforward forms that you complete online and then, if you are accepted, you can get the money in just one business day.

Moreover, you don’t have to spend a lot of time looking for a reliable lender. The money-lending platforms do the job for you and connect you with certified and professional lenders that can work with you according to your financial situation.

Online, you can browse for more options, and these platforms also offer much lower interest rates than when you apply conventionally. Furthermore, if you manage to repay your loan on time, lenders can also report your performance to credit bureaus, improving your credit score significantly.

Q5. How Much Loan Amount You Can Get With A Bad Credit Score?

The answer to this question depends on the lending platform and the lender. With that being said, money-lending sites, such as the ones in our article, usually give a loan of up to $25,000, even for people with bad credit scores.

Nevertheless, it is important to consider how much you need and take a loan amount you actually require instead of taking a larger loan. This is because if you need only a smaller amount, you will get approved much easier, and the interest rates will be much lower than when you take a higher loan amount.

With this in mind, if you manage to increase your credit score, the chances of getting a loan or better terms will significantly improve.

Final Thoughts

As it can be detected, emergency loans can save us during life or death situations and many unexpected life situations that can happen to anyone. However, as the need for such loans rises, many companies are competing in the lending market to provide the best terms for their customers. The lending companies https://paydayloansohio.net/cities/mount-gilead/ on our list are well-established and recognized as reliable and transparent.

Thousands of customers have expressed their opinion about these lending sites, which have provided excellent matching services and have helped them in such vital moments in their life. We hope this article will assist you in finding out everything that you need for lending services, so you can choose the one that works the best for you.

  • MoneyMutuals Loan Offers
  • Bad Credit Loans Interest Rates And Fees

Once this is settled, you will need to review the lender’s terms and services, and if you accept, the money will be transferred to your account in just one business day. Moreover, if no lender accepts your offer, the service will be given an offer for debt relief and credit repair services, which shows that the platform puts their client’s needs in the first place.

Then, when you get matched, the lender will present you with his terms and conditions that you need to carefully examine and decide if you want to accept the offer. If you choose to proceed, the lender will then transfer the emergency funds into the bank account that you have previously provided.

Also, due to a bad credit score, you might get higher interest rates, so it is essential to look for lenders that charge lower interest rates, as all emergency loans have an APR range. Moreover, you need to be aware of any hidden fees or penalties in case you miss your monthly payment.

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.