What if I can’t repay my loan on the due date?

Like you, we hope this doesn't happen. Albany Finance is committed to collecting past due accounts in a professional, fair and lawful manner. If your personal check is deposited and returned by your bank due to insufficient funds, Albany Finance may charge a returned check charge if permitted by applicable law. (You should be aware that most financial institutions will also charge an NSF fee for a returned check.) You will be responsible for full payment of your account, including the returned check charge. We will contact you to collect the amount due, and if necessary and appropriate, your account may be turned over to a collection agency.