How does NetSkrill.com get paid?
NetSkrill.com does not charge you, the consumer, any fees for its services. Who pays our bills? The Lenders. Of course, you will be responsible for paying the loan processing and closing costs and any other fees to the Lender with whom you close.
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Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you. However, if you do accept an offer, you may be obligated to pay a fee to the lending institution to begin the processing of your request.
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How do you get banks to compete for my business?
We work hard to send your loan request to four Lenders. There are times, though, that we cannot match your request to four Lenders. However, our Lenders don't know how many Lenders you've been referred to. As a result, they operate under the assumption that three other Lenders are reviewing your loan request at the same time they are. In order to get your business, they must make a competitive offer every time - no matter how many Lenders you've been sent to.
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Who are your Lenders?
Our Network of Lenders include many of the most respected Lenders in the United States. You probably know many of them. Those you may not be as familiar with may offer one or two loan types in a particular region of the country. Others only service borrowers who are looking for a loan through the Internet. One thing all of our Lenders have in common is that they're dedicated to providing the best service and competitive rates.
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What is NetSkrill.com?
NetSkrill (www.NetSkrill.com) is the an online loan and realty services exchange. NetSkrill quickly connects consumers to a network of Lenders who compete for your business, and also matches consumers with REALTORS® who can help you find a home that's perfect for you. NetSkrill offers an array of loan types, including mortgages, home equity loans, auto loans, personal loans, and credit cards. NetSkrill provides a convenient 'one-stop-shop' destination for your home and loan needs by giving you choices, convenience and value while finding the loan or home that's perfect for you.
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How do I get started?
It’s simple. Select your state or click Apply Now, and complete our online loan request form. It takes about 1 minute to complete the form. If you need help, look for our calculators and tips to help you along the way.
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What information do you collect?
We ask questions about you, and your loan. If you're refinancing your mortgage or looking for a home equity loan or line of credit, we need to know about how much you owe and how much you want to borrow.
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How secure will my information be?
NetSkrill uses the most secure technology available on the Internet to ensure that the data you send us remains absolutely confidential and secure.
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Will you share or sell my information?
At NetSkrill, your personal privacy and the security of your personal data are a primary concern of ours. NetSkrill believes that you should be aware of who we are, the types of information we may collect on our web site, and what we do with your personal information. Our overall privacy policy is simple. Under no circumstances will NetSkrill sell or share any personal information about you to or with any person or organization except to the Lenders in our network, our authorized agents, or as may be required by law or court order.
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What are your rates?
We get this question a lot. Here's why we don't post our rates:
Because NetSkrill is not a Lender and has no influence in the lending decision, we do not offer or list rates on our site. The rates are different for each Lender participating in our network.
We know that many of you would like us to post our Lenders' rates so that you can quickly compare them to rates offered by other Lenders. NetSkrill is designed to save you from this hassle. Instead of going from Lender to Lender to find the best rate, all you have to do is enter your information - and we'll try to give you up to four great rates to choose from. It's really that simple.
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Can I phone, mail, email or fax in my request?
NetSkrill is committed to sending your financial information to Lenders quickly and accurately. Using the phone, mail, email or fax would introduce the possibility of transcription errors, unnecessary delays and additional costs - which would reduce the benefits of using NetSkrill! That is why we only accept loan requests through our online forms.
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Who are your Lenders?
The NetSkrill Network includes many of the most respected Lenders in the United States. You probably know many of them. Those you may not be as familiar with may offer one or two loan types in a particular region of the country. Others only service borrowers who are looking for a loan through the Internet. One thing all of our Lenders have in common is that they're dedicated to providing the best service and competitive rates.
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How many Lenders will bid for my business?
We work hard to send your loan request to four Lenders in The NetSkrill Network. There are times, though, that we cannot match your request to four Lenders. However, our Lenders don't know how many Lenders you've been referred to. As a result, they operate under assumption that three other Lenders are reviewing your loan request at the same time they are. In order to get your business, they must make a competitive offer every time - no matter how many Lenders you've been sent to.
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Does each Lender pull my credit report?
Each Lender has their own policy about pulling your credit report. Some pull your report before they make you a loan offer, others pull your credit report after you have accepted their offer. In all cases, NetSkrill does NOT pull your credit report when you complete a loan request.
All inquiries for your credit report within a 14-day period will count as one inquiry if you are looking for a mortgage to purchase a home, a mortgage to refinance your home, a home equity loan or line of credit or an auto loan. If you are looking for a personal loan or credit card, however, each inquiry will be counted as a separate inquiry.
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How will I find out which Lenders are reviewing my loan request?
We'll send you the names of the Lenders who are reviewing your loan request via email.
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Can I negotiate directly with the Lenders?
Absolutely. You are under no obligation to accept the Lenders' first offer. In fact, if you've received a better offer from another Lender, we give you the opportunity to tell the Lender about it through our web site. In most cases, when you receive your loan offers, we will provide you with contact information for each Lender. Feel free to contact the Lender directly to discuss different loan programs. However, if you accept a loan offer from a Lender in the NetSkrill Network, be sure to send your response through LendingTree so that we can update our records.
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Do you have Lenders who deal with less-than-perfect credit?
Yes! We have Lenders who work with borrowers with perfect credit and not-so-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are most eager to work with you.
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Does having a co-borrower improve my chances of finding a loan?
Including a co-borrower on your loan request may or may not affect your chances of finding a loan. Lenders will consider the credit reports, income, assets, debts and other information about both borrowers. Before you decide whether or not to include a co-borrower on your loan request, consider your combined financial picture.
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What if I don't qualify for a loan?
If we can't find a Lender in our network who meets your needs, we will notify you almost immediately. If we can't match your loan request to a Lender, you may return to the site and complete a new loan request any time you want. (You must wait 72 hours before completing a new form.) We are always adding new Lenders to our network, so please continue to check back.
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How will I find out about my loan offers?
Within one business day, each Lender will contact you by telephone or email to talk to you about the type of loan you are looking for.
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How do I compare loan or credit card offers?
It's important that you evaluate all of the terms of each offer before you choose the one that's best for you. Compare the interest rate, APR, points, loan amount, loan term and other details of the loan offer. Please use our online calculators to help you make your decision.
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I've accepted an offer. How do I close the loan?
After you accept an offer, you will need to communicate with the Lender directly (via mail, email or phone) to complete the loan process. You will need to verify the information you provided through our site through W-2 forms, pay stubs, house appraisals etc. You'll also need to sign the official application forms from the Lender and schedule a closing.
You won't be going through the loan process alone. You will be assigned a personal customer care advocate when you complete your loan request. Feel free to call on them to help you through the process.
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I live outside the United States. Can I use NetSkrill to find a loan?
At this time, we only service requests for loans that originate in the United States.
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Can you delete my information?
While we can assure you that we will not share the personal information provided by you on your loan request with any third party, we must maintain a record of your inquiry to comply with state and federal record retention laws. This is also consistent with our privacy policy. Should a state or federal regulator request records of consumers who completed loan requests, as a regulated entity, we must comply with that request to produce any such records.
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Do you have any job openings?
Please go to Join the Team to check on available positions.
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How can I join the affiliate program?
Please go to Join the Affiliate Program for more information.
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What are your closing costs?
Each Lender determines their own policy regarding closing costs. Unfortunately, because NetSkrill is not a Lender and is not involved in the lending decision, we are unable to determine the amount of closing costs or out-of-pocket closing expenses. If we are able to match your request with a Lender, you may discuss your specific situation with them once you are in contact.
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How do I cancel my request for a loan?
We are sorry that you do not wish to continue with your loan request. As soon as you submit your request, we try to match it with Lenders in our Network. If your loan request has been referred to a Lender, you must contact that Lender directly to cancel your request. The Lender's contact information is included in the details of your loan offer.
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Why am I having problems accessing your web site?
If you received the "User Session Not Available" error message, your "cookies" may not be enabled. If you are using Internet Explorer, please follow these steps:
- Open your browser
- Click on Tools on upper tool bar
- Select Internet Options
- Click on Security tab
- Select Custom Level
- Scroll down and check to see that Cookies are enabled
- Click OK
If you are using Netscape, please follow these steps:
- Open your browser
- Click on Edit on upper tool bar
- Select Preferences from the drop-down menu
- Click on Advanced
- Verify in the box that "Accept All Cookies" is checked
- Click OK
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What if I don't want to give you my social security number?
We Never ask for your Social Security Number, but it is necessary for the lender that you want to do the loan with to have it.
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My question wasn't answered here. How can I contact NetSkrill directly?
We want to be your advocate throughout the loan process. If you have questions or comments at any time, please contact our Customer Care Department.
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