General
Application & Qualifying
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My application question is not listed here. How do I get it answered?
Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If you need to be transferred to a Navigation Crew Member after hours, Breeze will see that a Navigation Crew Member emails the answer to you the next business day.
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I applied with a different company. They sent me to Clear Air Lending. Why?
The company you initially contacted and provided information to was a third-party lead provider. You may have found them via an internet search or advertisement, or you visited their site directly. Their website or the disclosures that they provide to you should disclose that they are not a lender. That company you initially contacted connects you to a lender via a network. We participate in that network to acquire qualified consumers. We’re thankful for the opportunity to help you Clear the air of short-term financial stress. Please review our New Customer page and others on this site to learn more about us. When you’re ready, click Continue Application to move forward in the process with us. It only takes a few minutes.
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My application was not approved. May I apply again?
If your application was denied, you are welcome to reapply after 30 days.
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I submitted my application. How do I get back to it?
If you need to check on your application decision or review and sign your loan documents, click Continue Application in the top of this website and login. You’ll start at the last step you completed. You have 7 days from the time you submit your application to finish the review and sign process. After that time, your application will be automatically withdrawn, and you’ll get a notice by email. You can reapply after 30 days. If you already signed your loan documents and your loan funds have been sent out, click My Account in the top navigation menu of this website. Login to self-service to view your loan documents and other information about your loan.
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My application is in Review. What do I do now?
Don’t worry. Periodically we receive an application that requires additional attention. We’ll email you if we need additional documentation from you to make a decision. Be sure to send in any documents we requested as soon as possible so we can issue a decision. We may just need to take a second look at the request, and not need any additional information from you. It won’t take us long either way. Once we complete the review, you’ll get a decision by email. If that email says that your application is approved, click the link in the email or on Continue Application in the top navigation of this website. Login and you’ll land on the next step(s) you need to complete so we can fund your loan.
You have 7 days from the date that you submit your application to complete the approved loan steps. After that time, we’ll automatically withdraw your application and send you a notice by email. You’ll be able to apply again in 30 days.
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I already started an application with you, but did not submit it yet. How do I get back to where I left off?
Click the Continue Application link in the top of this website and login. You’ll start at the last step you completed, so you can finish and submit your application. If you started your application more than 14 days ago, you may be directed to the start of the process once you login.
Loan & Funding
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My loan or funding question is not listed here. How do I get it answered?
Click the chat icon in the lower right corner of your screen. Enter your question there. Breeze, our Virtual Navigator, will happily assist by either providing the answer or connecting you to a Clear Air Lending Navigation Crew Member. If you need to be transferred to a Navigation Crew Member after hours, Breeze will see that a Navigation Crew Member emails the answer to you the next business day.
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What if I change my mind after I sign my loan agreement? How do I cancel my loan?
If you change your mind, you have until 3:00 p.m. pacific time on the business day following the Disbursement Date listed on your Loan Agreement to cancel (or, technically, “rescind”) your loan without any cost or penalty. We call this day and time your Rescission Deadline. To cancel your payment obligations on this loan, you must email us by or before the Rescission Deadline at customerservice@clearairlending.com. Be sure to include these details in your email: (1) “I want to cancel the future payment obligations on this loan,” and if you have received the funds, (2) “I grant Clear Air Lending authorization to debit my bank account for the full principal amount of my loan.”
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How will I receive my money from my Clear Air Lending Loan?
Once you sign your loan documents in our secure, online portal, Clear Air Lending will deposit the amount you borrow (the principal) in your checking account by ACH. ACH stands for Automated Clearing House network. It is a secure and fast way to send and receive money. You may know this process as direct deposit.
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How do I save or print my loan documents?
If approved, click the button in the application to review and sign your loan documents. As you progress through each document, click on the printer icon in the top right corner to print each document or save to your device. After we fund your loan, click the My Account button at the top of the page to login and see those documents anytime.
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How do I sign my loan documents?
We make reviewing your loan documents and signing a breeze. If you are approved, in most cases you will see a message letting you know that decision soon after you submit your loan application. Click the button to review your loan documents and then electronically sign them all online from your computer, smartphone or tablet. The system is secure, simple and straightforward. If you have any questions in the process, click the chat icon in the lower right corner of your screen to get Clear answers.
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If I enroll in autopay, do I get any benefits? If I allow you to automatically draft my payments, do I get a discount?
We’ll give you the option to enroll in autopay if your application is approved. You will make your selection before you review and sign your loan documents. By enrolling in autopay, you’re giving us permission to draft your payments from your checking account when they are due. With autopay, your payment is never late, and you avoid being charged late fees. We’ll discount APR by 25-percentage points, too. You’ll see this reflected on your loan agreement.