Instant Loan Possibility
I was offered a $1,000 Instant Loan, which allowed six months to pay off. I was late a few times towards the end because my Instant Loan Autopay being shut off, but Chime pulled the payments automatically after being 90 days past due. That wad my 3rd Instant Loan. My previous two Instant Loans were each $500. Those two were both paid off earlier than the three month repayment timeline.
I’m Chime Prime due to my being paid in excess of $3,000 over 34 days.
My MyPay (once my 3rd Instant Loan was repaid in full) is currently at $300, with SpotMe of $75.
I know there’s a 15 day cooldown after the 3rd Instant Loan, and I was told that it wouldn’t be reevaluated for a 4th Instant Loan until my next DD, which is this Sunday the 23rd.
Has anyone that was previously late/delinquent on their prior 3rd Instant Loan get offered their 4th Instant Loan 30+ days after (or however many days after, come the time of their next DD), and if so, was the offer for the 4th Instant Loan higher or lower than their 3rd?
Thanks in advance to those who’ve experienced an Instant Loan delinquency who were still offered Instant Loans after repaying in full!