PO Box 4356 Dept 1545
Houston, TX 77210-4356
We can deposit money into your checking account the same day if funded before 1:30 PM EST or the next day if funded after.
To check your loan application status, sign in to your account or contact customer service at cs@setfinancial.com. All loan offers are good for 30 days.
The answer is no. You can mail your loan payment to us. Making payments online is one of the most convenient ways to automate and manage your monthly payments. To set up electronic payments, please email cs@setfinancial.com or call one of our customer service specialists.
Yes! We encourage reapplying. Your circumstances may have changed. However, if you have recently been turned down, it might be a good idea to wait a few months to increase your chances of loan approval. If you currently have a loan with us, please know that your current balance and payment history will be factored in the loan application process.
You can sign in at https://setfinancial.com to update your account information, or contact one of our customer service specialists at cs@setfinancial.com or call us at 800-803-2510.
We offer Credit Life, Accident, and Health Insurance to qualified individuals. A payment protection plan is not required to obtain credit and requires additional cost.
Approved applicants receive loans with clearly defined payment amounts/terms. If none of the options fit within your monthly budget, DO NOT ACCEPT the loan. Instead, please contact us.
At SET Financial, how your interest is calculated depends on when your loan was issued:
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Loans originated before March 2025 use precomputed interest (Rule of 78s). This means the total interest is calculated upfront and built into your scheduled payments.
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Loans originated March 2025 or later use simple interest, where interest is calculated only on your remaining principal balance. This allows you to pay off your loan faster and save on interest if you make early or extra payments.
Not sure which type you have? We’re happy to help. Contact us at cs@setfinancial.com or call 800-803-2510.
Apply online 24/7. For business hours, see the times posted on our Contact Us page.
- Any dispute must be made in writing to SET at the following address: by email to grievance@setfinancial.com
- Identify your account relationship with SET Financial, such as your name, phone number, address, account number, etc.
- Specify the information of why you are disputing it.
- Provide documentation to support your dispute.
In most cases, SET Financial will respond to your dispute notice in writing within 14 business days.
We offer cash loans up to $10,000 but specialize in $500 to $5,000. The amount you qualify for is determined by the information you provide. Complete your loan application now.
Most customers no longer need to upload documents thanks to recent improvements in our technology and application process.
However, if we do request documents such as pay statements, you can email them to us at cs@setfinancial.com.
If you’re unsure whether documentation is needed for your application, feel free to reach out—we’re here to help.
Make loan payments via your online account using a debit card or a checking account. Or our 24/7 phone payment system with your debit card.
Congratulations, you’re a human living in the digital age. Your username is the email address you provided when you first applied for a loan. To reset your password, simply hit the Forgot Password link or give customer service a call.
It happens. Sign in to your account to retrieve your account number. Are you still having issues? Please email one of our customer service specialists at cs@setfinancial.com.
Not necessarily. We encourage all applicants to apply for loans. The process is quick, easy, secure, and free.
SET Financial does not offer mortgage loans.
No problem. During our loan application process, you will be asked for permission to access your credit history. It’s within your rights to request a copy of the report from the credit reporting agency.
We don’t treat you as a number. We look at more than just your credit score when reviewing your loan application. We encourage everyone to apply regardless of credit history.
Loan interest rates vary based on several factors, including the loan amount and length of the loan, as well as other factors unique to the individual borrower. We work hard to offer competitive rates on installment loans.
A co-borrower is an additional borrower whose name appears on loan documents and whose income and credit history are used to help qualify for the loan. Under this arrangement, all parties involved must repay the loan.
You have several flexible options for making a payment while on the go:
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Online: Sign in at https://setfinancial.com from any computer or mobile device, 24/7.
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By Phone: Use our automated payment line at 800-803-2510 with your debit card.
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In Person: Pay in cash at any Walmart Money Center.
Wherever you are, we’ve made it easy to stay on top of your payments.
