FAQ

Frequently Asked Questions

Quick unsecured loans – what exactly are they and how create it works?

Quick unsecured loans – what exactly are they and how create it works?

How will you be eligible for an unsecured mortgage?

???‚A?Creditworthiness’ is actually how best the lender believes you’re to obtain a loan. It may be predicated on your credit rating and credit history. If you’re searching for an unsecured financing, you generally require a beneficial credit rating.

If you have a very poor credit rating, here is how you can sample become financing with bad credit record.

Making an application for an unsecured mortgage

2. The bank or loan provider will accept their unsecured loan when they’ve looked at your credit history and capability to spend, or rejected

3. If your loan application works and loan provider approves your own unsecured financing, might render normal monthly obligations over a collection time period until such time you’ve settled the mortgage entirely.

Unless you create these payments, the lending company can add on an extra cost that could harm their credit score.

The financial institution might elevates to court to try and obtain cash back. Nevertheless they must be clear exactly how they deal with these circumstances upfront!

Unsecured loans may posses higher rates than secured finance considering that the loan isn’t really protected in your house. Find out more about just how debts run here.

What is the difference between secured and quick unsecured loans?

If you have been looking at signature loans, you might’ve come across anything labeled as a guaranteed mortgage also. A secured financing gets ???‚A?secured’ against one of your property, just like your room or your car or truck. Lenders present secured finance so they are able promote men and women bigger debts or lend to prospects with less-than-perfect credit ratings.

To lock in financing, they’re going to request you to guarantee one thing you possess as a warranty, in case you are unable to shell out the loan right back.

Who should think about an unsecured unsecured loan?

An unsecured consumer loan can be a good option if you’re looking for a financial loan that wont need a threat on their land or just about any other property they own.

They may be also beneficial if you’re looking for a very versatile sorts of financing that a credit card alone cannot supply. It’s often additionally faster to apply for an unsecured loan than a secured loan as well.

You usually require a beneficial credit history to discover the best rate, and quick unsecured loans are often higher priced. This is because the lending company fees greater rates of interest since there’s little to allow them to secure the loan against.

Furthermore, lenders typically render short term loans in small amounts of between ?’??1,000 and ?’??25,000, whereas a guaranteed mortgage tends to be released for up to ?’??100,000. With short term loans, lenders will lay out a fixed repayment and sometimes you can actually decide what time frame you should spend your loan back once again more.

Exactly what are the probability of an unsecured loan?

Harmful your credit score can something that you should see, including late charge for missed money. Secured finance set issues posses at risk of are taken away by the bank. An unsecured loan does not.

Becoming taken to court if you cannot pay is another risk of both types of loans that you should bear in mind. When you are https://paydayloanssolution.org/payday-loans-nm/ having financing out, it’s also important to be sure to’re utilizing a lender managed of the Investment make power and that means you’re fully secured.

It’s important to know very well what APR (apr) the financial institution enjoys provided you. APR reflects the interest rate and any extra costs as a share for the quantity you want to use.

The APR the lender provides is dependant on how loan provider looks at your own credit rating. Each loan provider has actually different requirements on what they see your credit score. This influences whether or not the loan provider gives you a loan plus the APR you are provided along with it. Notably, APR merely includes compulsory expense.

It may not include optional charges and it also does not consist of fines (like for exceeding your credit limit). Bear in mind what this means is your loan give could be more expensive versus consultant APR (which is exactly what the loan provider advertises).

So what can I use an unsecured financing for?

The price of the borrowed funds is actually solved, so your monthly repayments stay the same for your opportunity you’re trying to repay your loan. You may want to need an unsecured loan for renovations or an auto loan.

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.