Contest Entries
One thing that would be a nice feature would be an actual account as opposed to just having to login to pay or to renew a loan. The benefit of having an account would be to see the loan history and amount. Also, the returning customers could login using the email address instead of the social security number to reduce any security issues (if there is any). Maybe using an email address would bring in more business as well because of the lack of trust that some Internet users have on websites.
NationalPayday.com can improve their website by...
1) When customers put in their payment amount, also show how long it will take to pay off the loan if the customer pay at that amount each time. It will also suggest paying at X amount which will allow the customer to pay it off by X.
2) Offer discounts off of fees for returning customers of different levels - Silver: 4-6 loans, Gold: 7-10 loans, Platinum: 11+ loans a year(i.e. no fees if paid by next pay period, 15% interest instead of 25%)
3) New customers form have an area where you can enter the email address of the referring person. Referring customers get discounts for referring new customers.
i feel nationalpayday does a wonderful job in customer service. also the paydown feature is great. I wish nationalpayday would come down a little on their rates. I feel the free first time loan is a wonderful thing but after that 30 per 100 is a little much. I have had noting but good experiences through nationalpayday and i will continue to be one of your customers. I havent found any better. i also feel that a reloan feature while you still have a loan out would be nice. some other companys do that
My suggestion is in regards to the FAQs section. I think that all of the questions should be listed first, at the top of the page. This would allow anyone seeking the answer to a particular question to click on it at the top of the page and be immediately taken to the corresponding answer below. This would save time compared to scrolling through all of the questions and answers, just to find the one question you are looking for.
To improve your website I would change the color that steel gray is ugly. It sends a harsh message of unkind and unfriendly. You need a soft color a soft blue says friendly willing to help. The “ATTENTION:” box change the font to Arial point 12 that is not to big but people will notice it. And the “this service does not” is grayed out. It gives the impression of trying to hide something. I am not saying bold it but make it black use a small font point 8 or 9. It is your policy let people know and you are not hiding anything or being shady.
“Payment requests must be submitted before 2PM Eastern the business day before your payment due date”. The “before” should not be orange because it is not a link all your links are orange, which are fine. Under frequently asked questions: “FAQ: What do I do if I do not have a fax machine and I am requested to fax something to you? “ why not suggest to people they can email you documents also some people might not have access to a fax but they might have access to a scanner and they can scan the documents requested and email them suggest scan then in PDF format only, this way nothing about the document changes.
