Cookies Policy | Capital Bean

Capital Bean Cookies Policy

At Capital Bean, we understand the importance of transparency regarding the cookies stored on your device. Please read our Cookies Policy below to understand the use of cookies on our website and your options for managing them.

What are Cookies?

Cookies are small text files that are stored on your device (computer, smartphone or tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide information to the website owners.

Types of Cookies We Use

Essential Cookies: These cookies are necessary for the functioning of our website. They enable you to navigate our site and use its features, such as accessing secure areas.
Performance Cookies: We use these cookies to analyze how visitors use our website, to assess its performance and to improve user experience. These cookies collect information in an anonymous form.
Functionality Cookies: These cookies allow the website to remember choices you make (such as your username, language or region) and provide enhanced, more personalized features.
Advertising Cookies: These cookies are used to deliver relevant advertisements to you and to track the effectiveness of our marketing campaigns. They may also be used by third-party advertisers.

Why We Use Cookies

To personalize your experience on our website.
To understand how users interact with our website and improve its functionality.
To deliver relevant advertisements to you based on your interests.
To provide secure and efficient browsing.

How to Opt Out or Adjust Settings at Capital Bean

You have the ability to manage the duration of persistent cookies through your browser settings, allowing you to control their acceptance, rejection or deletion at any time. Most web browsers provide options for controlling cookies. Please note that blocking certain types of cookies may impact your experience on our website.

Contact Us

If you have any questions or concerns regarding our use of cookies, please don’t hesitate to contact us:

Email: info@capitalbean.com
Phone: 1-865-884-6510

Changes to This Policy

We may update this Cookies Policy from time to time. Any changes will be posted on this page.

Capital Bean is a place you can trust for good money advice. We've helped many people with their money needs in the past. At Capital Bean, our main goal is to help you understand and grow your money. Whether you're curious about how to save, use credit cards, or get personal loans, we're here to guide you.

A Little About Capital Bean

Started in 2021, we've provided financial help to more than 275,000 people. If you're among the many Americans facing money challenges, Capital Bean's online loans might be the solution you need. Our online application is simple and hassle-free. No more standing in lines or dealing with tons of papers. Just apply from your home, and you could get the money on the same day* if everything goes right. Start with a trusted financial choice today.

Unexpected costs shouldn't mess up your budget. Try an online loan with Capital Bean today and see how we can help.

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Contact Us

1-865-884-6510
info@capitalbean.com

7073 Cedarwood Drive, Los Angeles, CA 90006, United States

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* Not every loan application gets approved. The decision and loan conditions depend on your credit check and local laws. If you get approval before 10:30 a.m. CT from Monday to Friday, you'll usually get the funds that same day. If it's after this time, expect the funds the following business day. If we need more information to check your application, and it's approved afterward, the funds will be given the next business day after we complete the checks.

† Regarding the Military Lending Act (MLA): Capital Bean doesn't provide loans to those covered by the MLA since all loans we make or organize surpass the MLA's 36% MAPR cap. We check with a national consumer reporting agency to see if someone is covered by the MLA. We also pose the mentioned question to double-check and fully adhere to MLA guidelines.

According to the MLA, a "servicemember" usually refers to someone who is a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard. They should be on active duty under an order that isn't just for a short span of less than 30 days. On the other hand, a "dependent" typically means a servicemember's spouse, a child below 18 years old, or any person who received over half of their financial support from the servicemember in the recent 180 days.

To see if you fall under the MLA, you can make a one-time request on the official MLA website.

Loan Disumbersement - If your application is approved before 10:30 a.m. CT from Monday to Friday, you'll usually receive your funds on that day. If it's approved after that time, expect your funds the following work day. If we need more time to double-check your application details and it's eventually approved, you'll receive your loan the business day after we finish the additional checks.

High-Cost Disclosure: Loans from Capital Bean come with a high APR, making them unsuitable for long-term financial plans. Most of the time, these loans also come with an origination fee that you won't get back if you decide to pay off the loan early. Ensure the loan you pick fits your financial needs and repayment capability. Think about the loan's amount, duration, and the charges involved. If you opt for a loan with high interest, you can lower the overall charges by paying more than just the minimum due. If you pay late, it will cost you more, and you might get a late fee. If you're facing credit issues, consider seeking advice on managing your credit. For useful tools and info on understanding finances, trends in credit scores, and financial terms, check the Resources section on our website at www.capitalbean.com