Frequenty Asked & Questions
Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the Gane Loans website (the “Service”) operated by SimplyTapp Inc. (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
WHO CAN APPLY FOR A GANE LOAN?
U.S. residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.
WHAT PHONES DOES GANE WORK ON?
For iOS, Gane works on the iPhone 6 and all newer models.
CAN I USE GANE LOANS IF I DONT HAVE A iPHONE 6 OR NEWER?
Gane Loans is avaible thru our website by visiting https://loans.gane.io
HOW DO I USE GANE LOANS?
Sign up and apply for Gane Loan thru the mobile app or web. Complete application process and choose merchant and loan amount to spend.
WHERE CAN I VIEW MY LOAN DETAILS?
Loan details can be viewed in the mobile app or sign in at https://loans.gane.io.
WHAT ARE THE INTREST RATES WITH GANE LOANS?
Loans vary between 15% and 25% APR simple interest. Interest rates depend on application and loan terms.
HOW DO I REPAY MY GANE LOAN?
Loan payments can be made by linking a debit card in the mobile app or via website. Payments can be set for auto repayment or payment managed by user.
DOES GANE RUN A CREDIT CHECK?
Gane performs a soft credit check to assess user eligibility. Soft check will not show up on user credit report or effect credit score.
HOW DO I KNOW WHEN LOAN PAYMENT IS DUE?
Gane will send reminders via text message and email. Standard rates apply.
CAN I PAY MY LOAN OFF EARLY?
You can pay off loan at any time. Loan interest rates are applied for entire amount and loan terms.
WHAT HAPPENS IF I DONT PAY MY GANE LOAN?
Delinquent loans will be reported to Credit Bureau and will affect your ability to get a Gane Loan in the future. Unpaid loans will be sent to collections.
HOW DO I PAY AT A PHYSICAL STORE, NOT ONLINE MARKETPLACE?
Gane loans places a Gane card in Apple Wallet to facilitate payment at store with Apple Pay. If store does not support Apple Pay you can use your displayed card number from mobile app.
ARE PAYMENTS WITH GANE SECURE?
It is very important to us that your personal information remain secure. Gane uses industry standard technologies to ensure just that. Safeguarding your personal information is very important to us.
WHY WAS I DECLINED FOR A LOAN?
Unfortunately not everyone will qualify for Gane Loans. Applicants are declined for credit reasons. We are committed to providing the best possible service to all that we can.