– Check Immediate Response Program (Review and Guide)

To check on your IRP status please click your company’s fund name to begin.

Simply head on over to and check your status now.

If you do not see your company’s Fund name listed, there is not an active Immediate Response Program at this time (sad).

This service is designed for residents of the United States only (sorry China and Mexico). Contact Information

  • (866) 308-7838
  • Twitter: @EmployeeRelief

Normally the eligibility for the grant is based on issues such as flood, fire, tornado, earthquake, hurricane, etc. (but cases can be made for viruses such as COVID-19).

Please note in order to qualify you must be administered by a committee that either has no relationship to the employer or is a group of employees who represent a broad cross section of the work force. Further, members must understand that they are acting as individuals, not as representatives of the employer.


Company Fund Names

Here are a few companies that use



Read Later: FrontLine pet rebate form, Capital One Auto Enroll, and Bank of America kdoldebitcard


Significant success factors include:

  • Customized program design – leadership endorsed
  • An engaged employee oversight committee
  • Tax efficient/optimized
  • Broad and clear grant guidelines and eligibility
  • Operational compliance
  • Grant process and administration
  • Integrated program with other departments
  • Application participation targets


Two factors usually determine success for these firms: 1) How many of their employees donate to the fund? 2) How effective they are in creating goodwill within the company and community. They often see 10 to 40 percent of their employees making donations while 1/2 to 1 percent of employees receive grants each year.



The Employee Relief Funds is 100% the best way to get money in the hands of our employees who need it! Super easy and super fast!” – Jim B. Chicago IL

The application process was easy and the money came quick… can’t ask for much more than that!” – Sara K. Miami, FL – Enroll in Capital One Auto Loan

Capital One Auto Enroll

  • Customers who just signed up for an Auto Loan with Capital One will want to enroll in the auto loan account service
  • Enrollment should take less than 5 minutes to complete
  • After the Capital One fanboy has completed the bothersome enrollment process they will be able to visit capitalone360 going forward to make payments and manage an auto loan account online
  • To enroll now please visit

The Capital One enrollment process requires Internet connection and a Capital One account.

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If you encounter any issues when enrolling please contact the Capital One Auto Finance Customer Service at 1-800-946-0332. is operated by the Capital One Financial Corporation.

Please note Banking and lending products and services are offered by Capital One, N.A. NMLS ID 453156, and Capital One Bank (USA), N.A., (Capital One is proud member FDIC and an Equal Housing Lender). Instructions

  • Quick and easy
  • Requires Capital One account number
  • Online enrollment requires Internet access

To start the enrollment process the customer will need their SSN, date of birth, and Capital One account number.

The enrollment process will take between 3 to 8 minutes (slightly longer for older people with bad vision) and will require an email address at some point during registration.

Once enrollment has been secured Capital One auto loan customers can check the status of the loan, view recent loan statements, update personal information, and make a loan payment.

Most customers will want to set up automatic payments with a bank account in order to avoid a missed payment and to save time.

If you are having any issues with the auto-enroll process please contact a Capital One customer service agent ASAP. Payment Options

Furthermore, once the customer has enrolled they can make payments online.

Hence, to make a payment online the customer will have to provide a bank routing and checking account number. applies to check or savings accounts, or other deposit accounts, auto accounts, loans, a line of credit and Capital One credit card accounts.


Social Media


Capital One Hours

The customer service team is available 7 days a week from 8 am to 10 PT.

Contrary to popular belief Capital One does not offer a live chat service.

You can


Customer Reviews

Capital One has the easiest enrollment process on earth! The entire process only took me 5 minutes and all the information they needed as in my office draw.“-  Drew L. Miami, FL

Signing up was a breeze… all I needed to provide was my email address? Wait did I actually sign up… HELP PLEASE!” – Dale K. Jersey Boardwalk

When it was all said and done the Capital One Auto Enroll Service was on a scale of 1 to 10 was a 5… it wasn’t easy but it wasn’t hard either” – Steve (location unknown)


Other Loan Options (for autos)

  • Bank of America: They really do have some of the best rates we have seen on car loans… give them a try and thank us later!
  • Chase Auto Finance: enjoy flexible car buying and auto loan options for new and used cars. Or see if refinancing is right for you. Recap

  • A must for all Capital One auto loan holders
  • Capital One provides fair loans at a reasonable rate
  • They are committed to exceptional customer service
  • Consumers looking for an auto loan are encouraged to shop around before committing to an anyone loan offer
  • Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor

If you are having trouble making your auto payment please call the Capital One auto loan helpline at 1-800-946-0332 or to reach out by FAX… 1-866-722-0410

Capital One Auto Finance

Any questions in regards to can be directed to 1-800-946-0332, Monday – Friday from 8 AM to 9 PM ET.

Customers looking to reach out via email can write to Capital One Auto Finance ATTN: Customer Advocacy Team 7933 Preston Rd. Plano, TX, 75024, (Capital One auto loan account holders can also send a secure email at



Credit Ninja PreApproved Application – Personal Loan Review

Credit Ninja PreApproved Loan Review

A ninja is looking to jump kick their way into your pocket… for good reasons!

The offer is ideal for consumers who are in need of a personal loan in order to pay down high-interest debt.

To apply for this loan today please visit and follow the on-screen instructions.

Applicants will be asked to provide the confirmation number from the Credit Ninja promotional mailing offer.

Please note you must be 18 years of age or older and a legal resident of the United States.

You will also have to provide the following upon application

  • First and last name
  • Income
  • Email address
  • Address
  • Phone number
  • Rent amount or monthly home mortgage

Please note Credit Ninja loans above 36% APR are not recommended as long-term financial solutions. Your choice of a loan product should match your needs and ability to repay.

Other Options

All of the above-named lenders require the applicant to have a good to great credit score for approval.

Credit Ninja Unsecured Loans?


They do have them!

Plus when you apply for an unsecured loan with the Ninja you won’t be asked to provide a home or car title as collateral. Customer Service

Customer Reviews

The Ninja jumped kicked their way into my heart with their loving customer service! The rate was super lower in regards to the loan and call me strange but I don’t think it came with any fees” Katy M.M. Chicago, IL

If it wasn’t for the Credit Ninja I might be drinking beer under a bridge right now… thanks Ninja!” Sam H. Destin, FL

“The Credit Ninja allowed me to save thousands of dollars in high-interest credit card debt and I also used the money to take a vacation to Hawaii!” – Chris M. NY, NY – Get a Small Business Loan from PayPal Application Instructions

  1. Talk the wifey into getting another small business loan to prop up your floundering business
  2. If she says yes (which is a BIG if) please visit
  3. Input the required information
  4. Loans are available from $5,000 to $500,000 based on financials
  5. The application can be made over the phone or online

Complete the PayPal BizLoan1 application, and if approved, funds are transferred as fast as the next business day.

Please note you must be 18 years of age or older and a legal resident of the United States in order to obtain a loan. Promotional Notes

  • Pay one, competitively-priced, fixed fee that you know in advance. No late fees, no early repayment fees, and no processing fees
  • A must for a small business owner looking for a loan
  • Loan terms can range from 13 to 52 weeks based on loan amount
  • Predictable weekly payments will be made automatically from your bank account so there are no monthly bills to remember

Many PayPal business loans are approved by 5:00 p.m. Eastern Time, Monday through Friday (excluding bank holidays such as Christmas and New Years Day).

If the loan payment is returned the applicant will be charged a $20 Returned Item Fee.

PayPal BizLoan1

NGMDomain Pick’s

PayPal BizLoan1 Customer Service

  • Phone: 1 (888) 221-1161
  • Mail: 2211 North First Street San Jose, CA 95131
  • Phone Option 2: US/Canada: 888-883-9770

A PayPal Business account is required in order to secure a PayPal loan. Those who do not have a PayPal business account will have to register.

PayPal business accounts are free and require a valid email address to begin.

Any specific questions in regards to can be directed to a Business Funding Expert at 1-800-941-5614 between the hours of 8 am to 5 pm Monday to Friday or Saturday from 8 am to 3 pm ET.

Once the questionnaire is complete, estimated loan terms can be customized by adjusting the loan amount and duration to compare the costs of financing.

Application Website – Refinance Student Loans Check Rate

SoFi Refinance

  • Make student debt go away faster with SoFi student loan refinancing
  • is managed by Social Finance Inc.
  • Fixed rates from SoFi start at 3.250% APR and variable rates start as low as 2.350% (assuming the customers enrolls in SoFi AutoPay)

Customers who received a mailer from SoFi can provide the confirmation number from the promotional mailing along with their zip code to check a rate.  Those who do not have a confirmation number can still check a rate with Sofi by providing their name, state of residence, and email address.  Please note SoFi does not guarantee approval even with a confirmation number and all loans are subject to review.

Members who are approved to refinance their loan via SoFi will also received a ton of special benefits only available to SoFi members.  These benefits include career strategy services, US-based customer support seven days a week, and exclusive invites to SoFi events. Notes

  • Checking a arte with SoFi will NOT hurt a credit score
  • Missing a SoFi loan payment will hurt a credit rating
  • On average customers who refinance their student loan debt with SoFi will save an average of $288 a month and $22,359 of the course of the total loan
  • Checking a rate should take less than 2 minutes
  • Checking a rate will not impact a credit score BUT if the applicant continues the application after receiving their rate their credit score information will be needed (and could effect a score)

Please note SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE.

Any questions in regards to the Save Sofi promotional offer can be directed to an US Based customer service agent at 855-456-7634 or customers with a Twitter account can Tweet to SoFi at Tweet @SoFiSupport.  Looking to reach SoFi via US Mail?  Please write to: 375 Healdsburg Avenue, Suite 280, Healdsburg, CA 95448.


  1. – Enter Personal Confirmation Code to Apply

My Prosper Loan Offer

  • Enter a personal offer or confirmation code in order to apply for a loan from Prosper
  • is managed by Prosper Funding LLC.
  • Loan amounts range from $2000 to $35,000

Loans from Prosper comes with a fixed APR as low as 5.99%, comes with no hidden or prepayment fees, and checking a rate will not effect a credit rating.  Although the max amount that can be funded online is $35,000 higher amount may be available for those who contact Prosper via the toll free number.

Annual percentage rates through the MyProsperCash promotional offer will general range from 5.99% to 35.99% for first-time borrowers, with the lowest rates for the most creditworthy borrowers (i.e. consumers with high annual income and a great credit score). Notes

  • Ideal for consumers who need a loan and do not want to go through a traditional bank (i.e. US Bank, Bank of America)
  • A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR
  • Must be 18 years of age or older and a legal resident of the US in order to apply and be approved
  • The loan can be used to pay for a dream vacation or be used to start a new business
  • All loans via are made by WebBank who is proud member FDIC

Prosper Funding LLC. is headquartered at 221 Main Street, Suite 300, San Francisco, CA 94105.  Any questions in regards to the MyProsperCash promotional offer can be directed to 1-866-615-6319 between the hours of 8 am to 5pm PT Monday – Friday (closed on the weekends).

Those who were already lucky enough to be approved for a Prosper loan and need to make a payment via US Mail can write to: Prosper Marketplace Inc., P.O. Box 396081, San Francisco, CA 94139-6081 (please include the Prosper loan number when making a payment via US Mail).


  1. – Apply for Discover Personal Loan

Discover Loans

  • Apply for a personal loan and finance that dream vacation to Hawaii
  • is managed by Discover Bank who is proud member FDIC
  • Personal Loans from Discover come with No Orgination Fees

In order to apply for a personal loan the applicant will be asked to provide how much they would like (i.e. loan amount) and then select what the loan will be used for (i.e. credit refinance, auto repair, dream vacation, taxes, wedding, medical expenses).  Those who are responding to a personal invitation letter from Discover can simply provide the invitation number in order to begin.

Please note personal loans from the Discover Bank often require a good credit score and a strong financial history (i.e. high annual income and a record of paying off debts on time). Notes

  • A must for consumers who need access to cash
  • Discover offers fixed rate and fixed term loans that are ideal for eliminating higher-interest debt that could help the consumer save hundreds if not thousands of dollars
  • Once the rate has been locked in it will never change
  • Offers a high end personal loan calculator designed to assist the applicant in determining how much money they need to borrow and the length of the loan
  • Once the rate has been provided the applicant can apply online or over the phone with a Discover customer care agent
  • Applicants who are lucky enough to be approved will receive the loan payment via check or can have it sent to their checking account
  • Interest rates associated with a Discover Bank loan will be based on variety of factors to include the applicants credit history, application information, and the length of the loan

Any questions in regards to a personal loan from Discover Bank can be durected to a US based loan specialist at 1-866-248-1255 Monday-Friday, 8am-11pm ET or Saturday-Sunday, 9am-6pm ET.


  1. – Finance a New or Used Car

Capital One Auto Navigator

  • Find and finance an auto with Capital One
  • offers rates as low as 3.24% Annual Percentage Rate
  • Users can get pre-qualified for financing—all with no impact to a credit score

This is a must for consumers looking to buy a brand new spanking car with great financing options.  Consumers can search live APR rates based on their actual credit information with no impact on their credit rating.  If the consumer likes the APR they see they can browse a variety of autos from participating dealers nation wide in hops of finding their dream whip.  The Auto Navigator tool can also be used to personalize financing terms on all new or used autos. Notes

  • Easy to use and is FREE
  • Simplifies the car buying process by helping you take control of buyers financing
  • Financing terms are 36, 48, 60 and 72 months
  • Users can provide their zip code or address in order to find a dealer next to them they is associated with the Capital One Auto Navigator program
  • the auto in question must be year 2005 or newer and have less than 120,000 in order to qualify
  • Those who live in AA, AE, AP, CT, DC, DE, GA, IL, IN, KY, MA, MI, ME, MD, MN, NC, NH, NJ, NY, OH, OR, PA, RI, SC, VA, VT, WA, WV, WY then vehicle model must be 2007 or newer
  • These auto purchases do not come with any sort of special tax write off
  • The dealer must be listed as the original creditor on the installment contract

Any questions in regards to the Capital One Auto Navigator program can be directed to a customer service support agent at 1.800.689.1789 Mon-Fri 9 a.m. – 9 p.m. ET and Sat 10 a.m. – 7 p.m. ET.  Please note those who pre qualify will be able to view their monthly payments if they were to accept the loan offer.


  1. – Pre-Approved Auto Refinance Loan

Lending Club Pre-Approved Auto Loan

  • Users lucky enough to receive a pre-approved offer can refinance an auto loan with Lending Club
  • requires the pre-approval code in order to begin
  • Those who do not have a pre-approval code from Lending Club can still apply but their odds of approval will not be as great as consumers who did receive the promotional offer

Once the applicant has provided the pre-approval code they will be asked to provide their name, address, phone number, and email address.  Please note the email address will only be used in order to send important account related information in regards to refinancing an auto loan with Lending Club.  Lending Club will never sell the applicants email to a third-party for a profit.

Please note the funding code (aka the pre-approval code) is located on the Lending Club auto offer letter which was recently sent and will be 12 digits long. Notes

  • All loans made by WebBank, who is proud Member FDIC
  • Benefits of an auto refinance from Lending Club include a simple and easy application process, no cost refinance, instant decision (assuming the applicant has the funding code), and will not impact the applicants credit score
  • Any questions in regards to the Better Car Loan promotional offer can be directed to (888) 596-3157 between the hours of 8 am to 8 pm Monday to Friday
  • Rates for existing auto loans will general fall between  2.24% to 24.99%*APR for existing auto loan
  • Lending Club does not guarantee refinancing under any circumstances

LendingClub is a San Fransisco, CA based US peer-to-peer lending company.  The firm competes with in the peer-to-peer lending industry.  Lending Club is based at 71 Stevenson Street, Suite 300, San Francisco, CA 94105, USA.  Lending Club proves itself as being the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange.