FAQs - Clear Answers You Can Trust

---

 Accel Loans is a Missouri-based lender offering short-term installment loans both online and through local branch locations. We focus on providing clear terms, respectful service, and a better alternative to payday loans. 

 Accel Loans serves customers throughout Missouri. You can apply online or visit one of our local offices to speak with a team member in person. 

Installment loans are repaid over scheduled payments instead of a single lump sum. This structure helps customers better manage repayment and avoid payday loan cycles.

Customers often use loans for things like car repairs, medical expenses, household bills, emergency travel, or other unexpected costs. 

 You can apply online in just a few minutes or visit a local Accel Loans office to apply in person. Both options provide the same level of service and transparency. 

 No. We work with customers of all credit types, including those with limited or past credit challenges. 

 Requirements may vary, but applicants typically need valid identification, proof of income, and to meet state eligibility requirements. 

 Most applications can be completed in just a few minutes. Processing time may vary depending on verification and individual circumstances.

Many customers receive a decision the same day. Timing can vary based on application details and verification needs. 

Funding methods may vary depending on whether you apply online or in-store. A team member will explain available options during the process. 

 Yes. We believe in transparency and clearly explain loan terms, payment schedules, and costs before you agree to anything. 

 In many cases, yes. Early payoff options and any applicable details will be explained during the loan process. 

 If you’re experiencing difficulty, we encourage you to contact your local Accel Loans office as soon as possible. Our team can discuss available options. 

 Absolutely. Our local Missouri teams are available by phone or in person to answer questions and provide support. 

 If you don’t see your question here, contact your local Accel Loans office or reach out through our website. We’re happy to help.