Your Guide to everything Halo

To begin your journey, visit our website, explore our resources, and consider signing up for a free Learning Zone membership to access valuable tools and information. You can also subscribe to our monthly Newspaper.

Anyone can use the Halo App! It's open to all. You can join for free and explore our website to see how it can help you.

We offer member support to assist you with any questions or issues you may encounter during your Halo App journey. We also have a live chat, and Help Center for urgent requests.

Rest assured, we take your privacy seriously. Your data is encrypted and protected. We have strict security measures in place.

We use a Halo Score system to assess the trustworthiness of Borrowers. You can also join Groups to connect with like-minded members for more secure transactions.

Yes, you can! Once you repay your loan, you're eligible to request another one, up to $1,000.

The Halo App is your gateway to connecting with others for loans up to $1,000 within specialized groups. It's a convenient way to borrow or lend money within a trusted community.

The Halo App emphasizes community, trust, and connections between people. We believe in building strong relationships with our members while providing a safe app for financial transactions to happen. We are the only app in the US that connects people for small loans inside of private Groups.

We have a free membership, but using the Halo App and connecting for real loans requires the Halo Membership which is $99 per year! Backers can charge up to 35% when lending money.

Borrowers request loans, Backers lend money, and Group creators establish private spaces for members to connect. It's your choice how you want to participate.

Yes, you can leave a Group at any time if you no longer wish to be a member. Simply navigate to the Group settings in the app and choose the option to leave the Group or reach out to your assigned Community Manager or Group Coordinator.

You can browse and search for available Groups on the Halo App. You can also see our available Groups on your Member-Only pages by signing into your account. Our goal is to provide a diverse range of Groups to cater to various interests and needs.

Yes, as the Creator or Member of a Group, you can invite others to join your Group, provided they meet the membership criteria and guidelines of that particular Group. Group rates are available.

While there isn't a strict limit to the number of Groups you can join, creating a new Group requires approval due to resource limitations. We encourage Members to create Groups that add value to the community.

Being part of a Group allows you to connect with like-minded Members, connect on loans, share experiences, and access unique data and insights. It's a supportive community designed to help you achieve your financial goals with a others.

Groups on The Halo App are private spaces where Members can connect for various purposes, including seeking and providing loans. These groups can be based on location, common interests, or created by individual members for specific needs. Groups are perfect for corporations, Facebook groups, faith communities, small businesses, etc.

We have a wide range of Groups, including those created by our team based on location or causes (e.g., residents of a specific city, survivors of domestic violence) and those created by individual members for their businesses, faith communities, or other organizations.

Yes, Groups on the Halo App are private and secure. We take your privacy seriously and ensure that only approved Members have access to the Group's content, discussions, and loan offers.

If you are a member in good standing (without any ongoing loan issues), you can apply to create a Group. While we can't have unlimited Groups, we carefully consider each application to ensure they serve a meaningful purpose within our community.

Groups provide a private and secure environment for Members to connect and interact. They are particularly useful for Borrowers and Backers to connect for loans, privately. Backers can filter loan requests by Group, and Members can share unique data within the Group.

Yes, Groups on the Halo App also have their own Halo Scores, providing a collective risk assessment for the Members within that Group.

A Halo Score is a rating that reflects the trustworthiness of a Borrower. It ranges from AA (high trust) to E (lower trust). It's vital because it helps Backers (lenders) make informed loan decisions.

Lenders (Backers) can use the Halo Score to assess the risk level of potential Borrowers. It helps them make lending decisions that match their comfort level.

No, while the Halo Score is an important factor, other criteria, such as the loan amount, repayment plan, and your app history, are also considered when Backers (lenders) select loans. Backers (lenders) also consider the Group you are apart of e.g. they may just want to support coworkers.

Yes, as a Member, you can view your own Halo Score within the app. It's a helpful tool to understand your borrowing capacity. You can also see what information is used to calculate your Halo Score.

To improve your Halo Score, focus on maintaining steady employment, reducing debt, and making timely repayments on your loans.

Yes, Backers (lenders) have the option to filter loan requests by Halo Score, making it easier for them to find Borrowers whose risk level aligns with their preferences.

The Halo Score is updated regularly to ensure that it reflects the most current information about a Borrower's financial situation.

Your Halo Score may change based on your financial activity. However, it won't affect your existing loan terms.

We calculate the Halo Score by considering factors such as employment, earnings, debt, liabilities, potential expenses, earning potential, and in-app activity.

We believe in transparency. There are no hidden fees or charges associated with loans on the Halo App. You'll know all the costs upfront.

You can borrow up to $1,000 through the Halo App, allowing you some flexibility in meeting your financial needs. All of these loans are backed by other Members who are actual people across the US. Members in your Groups may be people you know, although these loans are anonymous.

We understand that life can be unpredictable. Borrowers are granted a one-time grace period that allows them to skip a payment if needed.

Backers can charge up to 35% on the loans they provide to other members. This allows Backers to earn while helping others.

Absolutely! Borrowers have the flexibility to determine the loan amount and the repayment duration that best fits their needs.

Loans on the Halo App have a maximum repayment period of 6 months. You can choose the duration that suits your repayment capability. Loans are repaid biweekly and are pulled automatically from your linked bank account on the agreed upon due dates.

Your loan details and repayment schedule are accessible through your Halo App account. We provide tools to help you stay organized and informed. Feel free to reach out to your Support Team as well, your assigned Member Care team member can let you know your loan details at any time.

Yes, once you've repaid your loan, you can request another one if needed, subject to our terms and conditions.

Loan repayments are made biweekly in installments, making it easier to manage your repayment schedule.

While we encourage timely repayments, there are no specific penalties for late payments. We offer support to help Borrowers through challenging times. You will NOT be able to renew your membership, borrow again, or enjoy Member perks without being in good-standing and repaying your Backer in full.

Upgrading is easy. Simply log in to your account, visit the membership or Pricing section, and choose the option to upgrade to a paid Halo Membership. You'll enjoy immediate access to all the premium features. You will also be assigned a full Member Support team within the first 48 hours.

Yes, absolutely! When you sign up for the free Learning Zone membership, you'll have access to a demo version of our app. This allows you to explore and experience our app before committing to a paid membership. Remember, there are amazing resources and perks included in our paid Halo Membership along with our live app.

A paid Halo Membership costs $99 per year, giving you full access to our premium features and resources. You will receive a password to your email as soon as you pay for your Membership or upgrade.

Yes, you can cancel your Halo Membership at any time. If you decide it's not the right fit for you, you can contact our support team to assist with the cancellation process.

Your privacy and security are our top priorities. We use advanced encryption and follow stringent security measures to protect your personal information. You can review our privacy policy for more details on data protection.

Halo Members receive dedicated support to help with any questions or issues they may have. Your assigned support team is here to assist you throughout your membership journey, ensuring a smooth and enjoyable experience. You will be assigned a Specialist, Group Coordinator, Member Care, and Community Manager. Experienced Members may also reach out to support you.

There are no specific prerequisites to becoming a Halo Member. Simply visit our website, sign up for the Learning Zone, and consider upgrading to a paid membership when you're ready to enjoy additional benefits and our live app.

To become a Halo Member, start by visiting our website and exploring our services. Then, sign up for our free Learning Zone membership. From there, you can easily upgrade to a paid Halo Membership for enhanced benefits.

A free Learning Zone membership gives you access to valuable resources, including money tips, simple tools, a resource library, community access, exclusive insights, and networking opportunities. A paid Halo Membership offers even more, including private lending groups, full app access and real loans, member support, loan connections, premium learning content, and exclusive resources from partners.

As a Halo Member, you'll enjoy access to exclusive features and resources tailored to your financial needs. This includes the ability to join private lending groups, connect with other members for loans, receive personalized support, access premium content, and more.

The Halo App is a platform that connects people for loans in Groups. As a visitor, you can explore our services, resources, and join our community to improve your financial well-being. Some resources are available to visitors, but most are exclusive to our Members-only.

Absolutely! When you join the Learning Zone, you can also test our demo app to get a feel for how the Halo App works.

Yes, in the Learning Zone, you can participate in community discussions, ask questions, and connect with others who share your financial goals.

We continually update the Learning Zone with fresh content, including money tips, tools, and articles to help you on your financial journey.

The Learning Zone is our free membership option. You can sign up on our website to access money tips, tools, a resource library, community discussions, exclusive insights, and more. You also receive access to our demo app to explore how our app works. We are the only app in the US that connects people for small loans inside of Groups.

Yes, it's completely free. We offer this membership to provide valuable financial resources to everyone.

We're here to help. Feel free to reach out through our contact page, and our team will be happy to assist you with any questions you have.

Our newspaper is available to everyone, so you can stay informed about the company, app activity, and other financial matters, even as a visitor. Just subscribe on our website.

Finding information is easy! Use the menu, search bar, or simply browse our sections and pages to discover valuable insights, tools, and tips.

No, you can access some content without an account. However, to unlock the full potential of our resources, consider becoming a Member.

Our Newspaper Subscription is a monthly publication packed with financial insights, tips, and updates. By subscribing, you gain access to valuable information that can help you make informed financial decisions and stay up-to-date with the Halo App's latest developments.

Currently, our Newspaper is available in English and Spanish, but we are actively exploring the possibility of expanding to other languages and regions in the future to better serve our global community.

Yes, if you are a Member, you can access past editions of our Newspaper in our Resource Library. This allows you to explore previous articles and stay informed.

No, you do not need to be a member to subscribe to our Newspaper. It's open to anyone interested in financial insights and updates. Just sign-up on our Homepage.

Absolutely! We encourage you to share the valuable information from our Newspaper with your friends and family. Financial knowledge is something everyone can benefit from.

If you decide to unsubscribe, you can do so at any time by clicking the unsubscribe link provided in our newsletter. You can also reach out to our team on our Contact Page. We respect your choices and privacy.

Our Newspaper covers a wide range of financial topics, from money-saving tips to investment advice. You'll also find updates on the Halo App's features and services.

No, our Newspaper Subscription is completely free! We believe in providing valuable financial information to our community at no charge.

Subscribing is easy! Visit our website, navigate to the Newspaper Subscription section, and follow the simple steps to sign up. You'll receive the latest edition each month.

We release a new edition of our Newspaper every month, ensuring that you receive fresh and relevant financial content regularly.

We regularly update the Learning Zone with fresh content to keep you informed and engaged. You can expect new materials, tips, and insights on a regular basis.

No, Learning Zone membership is entirely free. We offer these resources to help you on your financial journey without any charge.

Absolutely! We've curated resources that cater to all levels of financial knowledge, from beginners to experts. Whether you're just starting or looking to enhance your financial skills, you'll find valuable content.

To join our Learning Zone, simply visit our website, click on the "Try for free" button, or visit our Pricing page, and follow the easy registration process. It's completely free!

Yes, you can participate in community discussions, share experiences, and network with other members who are on similar financial journeys.

No, there's no time limit. You can stay in the Learning Zone as long as you like, explore the resources at your own pace, and engage with the community whenever you want.

In the Learning Zone, you'll discover a wealth of resources, including money tips, simple financial tools, access to our resource library, community discussions, exclusive insights, and networking opportunities. You will also receive access to our app demo so you can try the Halo App before upgrading to our paid Halo Membership.

Yes, during registration, we'll ask for basic information to create your account. Rest assured that we take your privacy seriously, and your information is kept secure.

If you decide to unlock even more benefits, you can upgrade to a paid Halo Membership directly from your Learning Zone account. Simply follow the prompts to upgrade and enjoy additional features.

Yes, you can access the Learning Zone from your computer, tablet, or mobile phone. It's designed to be accessible and convenient wherever you are.

You can request one loan at a time, but once you've repaid your current loan, you're welcome to request another one.

Yes, you have control. You can decide both the loan amount you need (up to $1,000) and the duration of your repayment (up to 6 months).

You're given a one-time grace period that allows you to skip a payment, offering some flexibility in case of unexpected financial challenges.

Our goal is to provide quick loans. This is, of course, dependent on the amount of loans that are requested in a given time, and the number of Members that are actively Backing loans. You can typically expect to receive an offer from a Backer within a few days. If you are having trouble receiving offers for a loan, please reach out to your Group Coordinator. There may be a Group that has more activity that you are a good fit for.

To request a loan, simply login to the app on Android or iOS, and click on the "Request" button at the bottom of the Main Screen. If it is your first Borrow Request, you must follow the steps to submit information to receive a Halo Score, providing the necessary information. The last two screens will ask you how much you need, how long you need to repay the loan up to 6 months and what the loan will be used for.

You'll need to provide details about your employment, earnings, debts, liabilities, potential expenses, earning potential, and in-app activity. This helps us determine your eligibility. We also ask questions about your living and family situation to estimate potential costs, and other questions.

No, we focus on factors like your employment and earnings rather than traditional credit scores to determine eligibility. Our Halo Score is intended to be a new system. You are starting fresh, be a Member we all can trust and you will have unlimited access to the best financial opportunities.

You have a maximum of 6 months to repay the loan. Repayments are made biweekly in installments. Please take longer than you think you need. If you think you need 4 months, take 5 or 6 months and break your loan into smaller repayments.

If you have any questions or need assistance at any stage of the process, our support team is here to help. Simply reach out, and we'll provide the guidance you need.

Yes, you can easily track your loan request's status through your account dashboard. We'll keep you informed throughout the process. You will receive a notification and email when you receive an offer from another Member.

Our privacy policy outlines in detail how we collect, use, and protect your data. You can find it on our website for a comprehensive understanding of our practices.

We use your data solely for the purpose of providing our services, including verifying your eligibility for loans and ensuring the security of our platform. Group data is compiled for understanding Group needs. All data is anonymous.

Yes, you have the option to delete your account and associated data at any time. Simply contact our support team for assistance or select "Delete Account" inside of the Settings section of the app.

We retain your data only for as long as necessary to provide our services and comply with legal obligations. Rest assured, we do not keep your data longer than required.

If you ever encounter security concerns or notice suspicious activity on your account, please contact our support team immediately. We take all reports seriously and will investigate promptly.

Your financial data is handled with care. We use industry-standard security measures to ensure your financial information is kept safe and confidential.

We have robust security protocols in place to prevent unauthorized access to your account. This includes password protection and two-factor authentication options.

We employ advanced security measures, regular audits, and employ a dedicated security team to minimize the risk of data breaches and protect your information.

Yes, we take the security of your personal information seriously. Your data is encrypted and stored securely to protect your privacy. We use industry-leading technology throughout your loan process.

No, we do not share your data with third parties unless required by law or with your explicit consent. Your privacy is a top priority.