Frequently Asked Questions

To update your bank information, contact our Customer Service Team via email at [email protected] or phone at 224-325-5730. Please make all information changes at least two business days before your loan due date.

If you have already applied for your online loan, you will need to send a copy or photo of a voided check or bank statement for the new bank account via email to [email protected] or fax to 866.413.3888. The document must include your name, routing number and account number. Please do not submit a voided starter check, as we do not accept this as valid proof of bank information.

For your protection, please do not email or fax any debit card or bank information to our Collections Department. Please call us if you would like to set up a payment via debit card or any other method.

We understand that sometimes life happens. We’re here to help. Contact us via phone or email at least two business days before your upcoming payment to see if you’re eligible for a payment arrangement.

The exact time you will be able to reapply and receive funds after you have paid off your loan depends on your state of residence. You will be able to reapply through your Neighborhood Trust account.

If you reapply and are approved, you will generally receive your funds once your previous loan payment has been successfully processed. You may be required to wait a few additional days if you reside in a state that mandates a cooling off period between your loans.

Please refer to the Rates & Terms page of your state for more information.

ACH (Automated Clearing House) is a form of electronic debit. When we present an ACH request to your bank, the bank will send us the specified amount of loan fees and/or principal that were outlined in your loan agreement. If the payment is returned because of insufficient funds, we may re-present the debit to your bank.

Visit this page to review our requirements for paying by check and to find the mailing address for our Payment Processing Center.

The Servicemembers Civil Relief Act (SCRA) provides certain protections and relief to eligible active duty servicemembers, their spouses and dependents. For example, if a debt was incurred by the servicemember, or jointly with the servicemember’s spouse, before the servicemember’s active duty military service, the servicemember is entitled to have the interest rate on the debt reduced to 6% during the period of active duty service.

You can read additional information on the SCRA here. If you are an active duty servicemember, or if you have questions regarding whether the SCRA applies to you or your loan, please contact our compliance department at [email protected].

Neighborhood Trust uses email to send you:

• Application status
• Repayment reminders and confirmations
• Promotions and more

These important account updates are why it’s essential you receive all email communications from Neighborhood Trust

To ensure you receive important emails from Neighborhood Trust, please take a moment to add [email protected] to your address book or your spam "good list" or "whitelist". This helps your email provider recognize Neighborhood Trust as a trusted email source. If you are still not receiving emails from Neighborhood Trust, please contact our Customer Service Team.

We use a variety of different technologies such as McAfee SECURE^TM to protect your data. Learn more at our Online Security Center.

For tips on keeping your personal information secure or identifying and responding to potential scams, visit our Online Security Center.