Ahead Lending FAQ

Ahead Lending is an online lender that offers short-term, unsecured installment loans. Its website lists the operator as Universal Service Group DBA Ahead Lending, with a mailing address at P.O. Box 2503, Kahnawake, Quebec.

The lender says its installment loans range from $100+ to $1,000. First-time customers can borrow up to $400.

You need W-2Pay from an employer’s payroll, reported on a W-2 tax form. Not 1099, gig or self-employment income. Glossary job income paid by direct deposit, at least $1,500 a month in take-home pay, a checking account open at least three months with $250 or more left after your last payday, and you must be 24 or older and not in an active bankruptcy.

The lender says funds are usually available the next business day, and it could be as late as 9 PM EST. A weekend or bank holiday can push the deposit back.

No. The lender’s website does not publish an APRThe yearly cost of a loan, including interest and most fees, as a percentage. Glossary or rate range. Your rate and total cost appear in the loan agreement, which you should read before you sign.

Loans are not available in Alaska, Arizona, Arkansas, Connecticut, D.C., Georgia, Hawaii, Kansas, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Vermont, Virginia, Washington, West Virginia or U.S. territories.

The lender’s customer phone number is 888-585-9220. Lending hours are Monday to Friday, 8:00 AM to 4:00 PM CST.

No. Ahead Lending Online is an independent information site. The official Ahead Lending website is aheadlending.com.

Yes. Contact the lender at least three business days before your due date. Fees are not refunded or discounted.

Contact Ahead Lending right away. It says discussing repayment options is the only way to keep your account in good standing, and extra fees may be charged if principalThe amount you borrowed, not counting interest or fees. Glossary isn’t paid.

No. It does not offer installment loans to active military personnel or their dependents.

Yes. The lender says you can request a loan application in Spanish.

Reply STOP to marketing texts or STOP ALL to stop all texts.

Check your spam folder. If they aren’t there, call 888-585-9220.

Yes. During business hours (8 AM–4 PM CST) it says it calls within 15 minutes of receiving an application.

A net monthly income of at least $1,500 from a W-2 employer, paid by direct deposit.

Universal Service Group, which does business as Ahead Lending.