Q. What do Traditional Installment Loan companies do?
A. Traditional Installment Loan companies make loans to consumers which are repaid in equal monthly installments. Loans range from $5000 to $50000 and from 6 to 18 months in duration.
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   Q. How are these loans secured?
B. The great majority of these loans are unsecured. Loans may sometimes be collateralize with a car title or luxury household goods, but never with access to a borrower's bank account. We practice “responsible underwriting” and look to the borrowers themselves for repayment.
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  Q. What is Responsible Lending?
C. We examine the borrower’s stability, ability and willingness to repay the loan, which we attempt to assess using budgets and credit reports, among other things. Budgets in particular help us to ensure that the loan is AFFORDABLE. Another consideration is our history with the borrower, many of whom are loyal customers who come back year after year. We look at each application independently and never use credit scores or a scoring model to determine credit-worthiness.
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  Q. Do all companies use a budget process?
D. Neither payday companies, who look to the value of a post-dated check, nor larger finance companies, which use credit-scoring and take into consideration the value of the secured property, use budgets in the same way that EMPIRE CAPITAL does.

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  Q. Do all EMPIRE CAPITAL Locations offer the same loan amounts?
E. The maximum loan amounts offered per state are as follows:
State                          Maximum Loan Amount
Alabama                      $55,000.00
Illinois                          $35,000.00
Singapore                    $30,500.00
Nevada                        $2,500.00
Dubai                           $60,000.00
Cairo                            $42,000.00



  Q: Does EMPIRE CAPITAL have Linguist staff?
F. Our goal is to make the Loan Process as easy as possible for our customers. That is why most EMPIRE CAPITAL locations have Linguist   staff`s  members ready to help speaking customers language. Click here to contact the location nearest you our staff are available to help you. Call us today to discover the EMPIRE CAPITAL Difference!                                                                               
State                       Maximum Loan Amount
New Mexico              $25,000.00​
Sao Paulo                   $62,500.00
Oklahoma                  $100,380.00
Tennessee                 $70,500.00
Mumbai                     $110,258.11
Berlin                          $50,000.00