Chase Freedom Unlimited Credit Card Apply And Offer Details

Chase Freedom Unlimited Credit Card Overview

Earn unlimited cash back.
Earn unlimited 1.5% cash back on every purchase. No minimum to redeem for cash back. *See Offer Details

APR
0% intro APR for 15 months from account opening on purchases. *See Pricing and Terms.
After the intro period, a variable APR of 14.99%-23.74%. *See Pricing and Terms.

ANNUAL FEE
$0 *See Pricing and Terms.

Apply for Chase Freedom Unlimited credit card here:

Chase Freedom Unlimited credit card Apply

Chase Freedom Unlimited credit card Offer Details

Chase Freedom Unlimited Card
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. For pricing details, please see Pricing & Terms. For benefits details, please read your credit card benefits materials which will be mailed after your account is established.

$200 Bonus
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous card members of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Complimentary 3 months of DashPass/50% Discounted DashPass from DoorDash for 9 months: Your Chase Freedom Unlimited account will receive one complimentary 3 month DashPass from DoorDash when the subscription is activated by 12/31/2021. After your complimentary period ends, you’ll be automatically enrolled for 9 months at 50% off the then current monthly DashPass rate. After the DashPass discounted period ends, you will continue to be enrolled and charged the then current monthly DashPass rate. You can cancel anytime on the DoorDash mobile application. Subscription will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. Subscription period for the user on a Chase Freedom Unlimited account will begin and end based on when the first user activates the subscription on the DoorDash mobile application. To receive the subscription benefits, the primary cardmember or authorized user(s) must first add their Chase Freedom Unlimited card as a payment method in the DoorDash mobile application, and then click the activation button. Benefits of DashPass from DoorDash include no delivery fees on orders that total over $12 (amount subject to change – see DoorDash site for current minimum); however, other fees on food orders may apply. PayPal or digital wallets (like Apple Pay and Google Pay), or subscriptions purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Your Chase Freedom Unlimited account must be open and not in default to maintain subscription benefits.

Cash Back and Points
Rewards Program Agreement: For more information about the Chase Freedom Unlimited rewards program, view the latest Rewards Program AgreementOpens in a new window. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewardsOpens in a new window.

Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. How you can earn points: You’ll earn points when you, or an authorized user, use a Chase Freedom Unlimited card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You’ll earn 1.5% Cash Back rewards for each $1 spent. 3.5% Cash Back on qualifying Lyft rides through 03/2022: You’ll earn 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2022. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees, and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see “5% Cash Back rewards” in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the 1.5% Cash Back rewards. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and products or services made available through the program or directly from third party merchants. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement.

Zero Liability Protection
Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Shop With Points
When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.

Amazon.com Shop with Points service terms apply.

Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

Alerts
Delivery of alerts may be delayed for various reasons including technology failures and system capacity limitations. There is no charge from Chase, but message and data rates may apply.

Accounts subject to credit approval. Restrictions and limitations apply. Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Freedom Unlimited credit card Pricing & Terms

Pricing & Terms
Please take a moment to carefully review the Pricing & Terms below.
PRICING INFORMATION

INTEREST RATES AND INTEREST CHARGES

Purchase Annual Percentage Rate (APR)

0% Intro APR for the first 15 months that your Account is open.

After that, 14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

My Chase LoanSM APR

14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Promotional offers with fixed APRs and varying durations may be available from time to time on some accounts.

Balance Transfer APR

14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Cash Advance APR

24.99%. This APR will vary with the market based on the Prime Rate.b

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

Minimum Interest Charge

None

Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

FEES

Annual Membership Fee

None

My Chase PlanSM Fee

(fixed finance charge)

0% of the amount of each purchase transaction selected to create a My Chase Plan while in the 0% Intro Purchase APR period.

After that, 1.72% of the amount of each purchase transaction selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.c

Transaction Fees

Balance Transfers

Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advances

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transactions

3% of the amount of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Up to $39.

Over-the-Credit-Limit

None

Return Payment

Up to $39.

Return Check

None

Note: This account may not be eligible for balance transfers.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 3/19/2020.

aWe add 11.74% to 20.49% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR. Maximum APR 29.99%.

bWe add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%.

cMy Chase Plan Fee: The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan.

MILITARY LENDING ACT NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.

TERMS & CONDITIONS

Authorization: When you respond to this credit card offer from JPMorgan Chase Bank, N.A., Member FDIC, a subsidiary of JPMorgan Chase & Co. (“Chase”, “we”, or “us”), you agree to the following:

You authorize us to obtain credit bureau reports, employment, and income information about you that we will use when considering your application for credit. You also authorize us to obtain credit bureau reports and any other information about you in connection with: 1) extensions of credit on your account; 2) the administration, review or collection of your account; and 3) offering you enhanced or additional products and services. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.

If an account is opened, you will receive a Cardmember Agreement with your card(s). You agree to the terms of this agreement by: using the account or any card, authorizing their use, or making any payment on the account.

By providing your mobile phone number, you are giving permission to be contacted at that number about all of your accounts by JPMorgan Chase and companies working on its behalf. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing, but not for sales or telemarketing. Message and data rates may apply.

Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we mail your new credit card. If you want to cancel or modify your balance transfer within this ten-day period and have received your credit card, please call the number on the back of your card. Otherwise, please call 1-888-338-9464. Please continue to make payments to your other account(s) until you know the balance has been paid.

Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Cardmember Agreement.

Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Signature or Platinum card with different costs and/or benefits, or you may not receive a card. If approved for a Signature account, your credit access line will be at least $5000. If approved for a Platinum account, your credit limit will be at least $500.

You must be at least 18 years old to qualify (19 in AL and NE, 21 in Puerto Rico). An applicant, if married, may apply for a separate account.

Signature services are available only to Signature cardmembers. We reserve the right to change the benefit features associated with your card at any time.

New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court order applying to marital property will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. Married Wisconsin residents must furnish their (the applicant’s) name and social security number as well as the name and address of their spouse to Cardmember Service at P.O. Box 15366, Wilmington, DE 19850-5366.

Balance Transfer Option

Balance transfers are contingent upon issuance of your account with us.

The total amount of your request(s) including fees and interest charges cannot exceed your available credit or $15,000, whichever is lower.

We will not process any balance transfer requests that are from any other account or loan that we (JPMorgan Chase Bank, N.A., Member FDIC) or any of our affiliates issued.

Balance transfers are subject to the transaction fee shown in the enclosed “Pricing Information.”

We will evaluate your balance transfer requests in the order listed on your response. If your request(s) exceeds the amount that we approve, we may either decline the request or send less than the full amount requested to your designated payee.

Each transfer will reduce your available credit just like any other transaction. You will see a payment for the amount transferred on the statement from your other accounts. It may take up to three weeks to set up your new account with us and process the balance transfer(s), so you may still need to make payments to your other accounts to keep them current.

Affiliate Information Sharing: We and our affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would prefer that we do not share information from your application, credit bureaus or third parties, please call us at 1-888-868-8618. For more information about our information handling policies, visit us on the web at http://www.chase.com/privacypolicy.

Replying to this offer: If you omit any information on the form, we may deny your request for an account. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. You must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States military address. The information about the costs of the card described in this form is accurate as of 3/19/2020. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.

USA PATRIOT Act: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We require the following information or documents as a condition to your opening an account: your name, residential address, date of birth, Social Security number, driver’s license or other identifying documents.

2020 JPMorgan Chase & Co.

Chase help with government stimulus payments

Chase is here to help: Government stimulus payments
We urge you to go to the IRS site and choose “Get My Payment” to find out about your payment.
See below for helpful tips about how Chase can help with government stimulus payments.

How the IRS can help
First, go to the IRS site for the most up-to-date answers to your questions, including:

Will I get a payment and how much will government stimulus payments be?
How and when will I receive government stimulus payments?
Do I need to do anything to get government stimulus payments?

What else you can do about government stimulus payments
Download the Chase Mobile® app, if you haven’t already, so you can check your transactions and see your government stimulus payments from the IRS.
Set up a direct deposit alert, so you’ll know when you receive your government stimulus payments. When you set up your alert, make sure you choose the checking or savings account you expect the payment to be deposited to.
Learn how to use Chase QuickDepositSM so you can deposit checks with your mobile phone or tablet from the Chase Mobile app.

Questions about government stimulus payments

When should I expect to see the payment in my Chase account?
Payments will continue in waves over several weeks. You can check your transactions on the Chase Mobile app and chase.com. If you’re still expecting a payment, go to the IRS site(Opens Overlay) and choose “Get My Payment” to find out about it.

How will I know when it has posted to my account?
We recommend that you set up an account alert to tell you when deposits post to your account. You can also check your transactions on the Chase Mobile app and chase.com. To find out about your payment, go to the IRS site(Opens Overlay) and click “Get My Payment”.

If I receive a paper check, how can I deposit it without coming in to a branch?
You can snap a picture of it and deposit it to your account using Chase QuickDeposit in the Chase Mobile app on your mobile phone or tablet, or deposit it at many Chase ATMs.

What happens to my direct deposit payment if my Chase account is closed?
The IRS said it is sending direct deposit payments to customer bank accounts based on their federal tax returns from 2018 and 2019. If an account is closed and we can’t find another account for you, we send those payments back to the government, which will then be mailed as a check.

How can I help protect myself from scams?
First, don’t give anyone your personal information to sign up for your relief check. You don’t need to sign up for anything.
Second, don’t give your personal information to anyone who calls, emails or texts you, especially if they mention this stimulus program or getting early access to the money. If we ever reach out to you, we won’t ask for confidential information such as your name, password, personal identification number (PIN) or other account information.
The Federal Trade Commission recommends other ways to protect yourself.

What about phishing?
As always, don’t click links in emails or texts unless you’re sure that they’re authentic. And never provide your usernames or passwords outside of the normal secure sites and apps you use, like the Chase Mobile app and chase.com.

What else is Chase doing in response to COVID-19?
Go to chase.com/StayConnected.

Chase financial health tips
Set aside your stimulus payment If you can, transfer some or all of your payment to your savings account. You can also use Autosave to set up automatic transfers to help you rebuild your emergency fund.
Track your spending Your spending has probably changed, so keep a closer eye on what’s going on. If you don’t have a budget, think about building one now through Budget Builder, a free tool.
Check your available credit Knowing what’s available on your credit card or in your bank account could give you a sense of what you could draw on, if needed. You can find your available credit and balances for your Chase accounts on the Chase Mobile app and chase.com.
Review retirement accounts If you’re investing through a 401(k) plan at work, do what you can to stay the course. If you’re facing an immediate need, you might consider suspending contributions to your 401(k) or even consider taking a loan, if the plan offers it.

Learn more about Chase help with government stimulus payments

Stimulus Check 2020 Schedule And Requirements

Stimulus check 2020: Here is what you need to know about your Economic Impact Payment. For most taxpayers, payments are automatic, and no further action is needed. This includes taxpayers who filed tax returns in 2018 and 2019 and most seniors and retirees. Eligible US taxpayers can receive up to $1,200 from the federal government as part of a $2 trillion relief package intended to help people pay rent, purchase essentials and jog the economy as unemployment levels rise. The first 2020 stimulus checks should start to arrive shortly, the second or third week of April 2020. Help for small business owners from SBA Paycheck Protection Program.

Stimulus Check Requirements 2020

Who is eligible for Stimulus Check?

U.S. residents will receive the Economic Impact Payment of $1,200 for individual or head of household filers, and $2,400 for married filing jointly if they are not a dependent of another taxpayer and have a work eligible Social Security number with adjusted gross income up to:

– $75,000 for individuals
– $112,500 for head of household filers and
– $150,000 for married couples filing joint returns

Taxpayers will receive a reduced payment if their AGI is between:

– $75,000 and $99,000 if their filing status was single or married filing separately
– 112,500 and $136,500 for head of household
– $150,000 and $198,000 if their filing status was married filing jointly

The amount of the reduced payment will be based upon the taxpayers specific adjusted gross income.

Eligible retirees and recipients of Social Security, Railroad Retirement, disability or veterans’ benefits as well as taxpayers who do not make enough money to normally have to file a tax return will receive a payment. This also includes those who have no income, as well as those whose income comes entirely from certain benefit programs, such as Supplemental Security Income benefits.

Retirees who receive either Social Security retirement or Railroad Retirement benefits will also receive payments automatically.

Who is not eligible for Stimulus Check?

Although some filers, such as high-income filers, will not qualify for an Economic Impact Payment, most will.

Taxpayers likely won’t qualify for an Economic Impact Payment if any of the following apply:

– Your adjusted gross income is greater than
– – $99,000 if your filing status was single or married filing separately
– – $136,500 for head of household
– – $198,000 if your filing status was married filing jointly
– You can be claimed as a dependent on someone else’s return. For example, this would include a child, student or older dependent who can be claimed on a parent’s return.
– You do not have a valid Social Security number.
– You are a nonresident alien.
– You filed Form 1040-NR or Form 1040NR-EZ, Form 1040-PR or Form 1040-SS for 2019.

How much is Stimulus Check worth?

Eligible individuals with adjusted gross income up to $75,000 for single filers, $112,500 for head of household filers and $150,000 for married filing jointly are eligible for the full $1,200 for individuals and $2,400 married filing jointly. In addition, they are eligible for an additional $500 per qualifying child.

For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$112,500/$150,000 thresholds. Single filers with income exceeding $99,000, $136,500 for head of household filers and $198,000 for joint filers with no children are not eligible and will not receive payments.

Do I need to take action to get Stimulus Check?

People who filed a tax return for 2019 or 2018

No additional action is needed by taxpayers who:

– have already filed their tax returns this year for 2019. The IRS will use this information to calculate the payment amount.
– haven’t filed yet for 2019 but filed a 2018 federal tax return. For these taxpayers the IRS will use their information from 2018 tax filings to make the Economic Impact Payment calculations.

People who aren’t typically required to file a tax return

Social Security and Railroad Retirement recipients who are not typically required to file a tax return need to take no action. The IRS will use the information on the Form SSA-1099 and Form RRB-1099 to generate Economic Impact Payments of $1,200 to these individuals even if they did not file tax returns in 2018 or 2019. Recipients will receive these payments as a direct deposit or by paper check, just as they would normally receive their benefits. Social Security Disability Insurance (SSDI) recipients are also part of this group who don’t need to take action.

For Social Security, Railroad retirees and SSDI who have qualifying children, they can take an additional step to receive $500 per qualifying child.

There are other individuals such as low-income workers and certain veterans and individuals with disabilities who aren’t required to file a tax return, but they are still eligible for the Economic Impact Payments. Taxpayers can check the IRS.gov tool – Do I Need to File a Tax Return? – to see if they have a filing requirement.

The IRS will soon provide guidance for these individuals on the steps to take to get their payment as soon as possible.

Payment recipients: watch for an IRS letter regarding your Stimulus Check

For security reasons, the IRS plans to mail a letter about the economic impact payment to the taxpayer’s last known address within 15 days after the payment is paid. The letter will provide information on how the payment was made and how to report any failure to receive the payment.

How can I get a stimulus check 2020?

You will get a stimulus check if you fou filed a tax return this year or last year.

How much money can I get from Stimulus Check 2020?

Individuals: $1,200
Married Couples: $2,400
Dependent Children: $500 (must be less than 17-years-old)

How do I claim my stimulus check?

Except filing a tax return, you don’t have to do anything to claim your stimulus check. The IRS will send you a check automatically to either your bank account through direct deposit or your mailing address listed on your tax return.

Stimulus Check 2020 Schedule And Release Dates

When will I get my stimulus check?

Direct Deposit: within a few weeks

By Mail: within a few weeks (or a few months), see expected dates bellow.

Treasury Secretary Steven Mnuchin has said most Americans will receive their stimulus check by April 17, 2020.

Timetable from the IRS, stimulus checks could be distributed as follows (of course, these dates are subject to change):

April 9, 2020

Stimulus checks could be sent to some taxpayers as early as Thursday, April 9. If you filed your income taxes in 2018 or 2019 and provided your direct deposit information to the IRS, your stimulus check could be sent today. Estimated arrival time in your bank account could be on or before April 14, 2020.

April 24, 2020

The IRS will begin sending paper stimulus checks. The plan is to send paper stimulus checks to taxpayers with the lowest adjusted gross income first. Therefore, taxpayers who earned less than $10,000 will receive a paper check first.

May 1, 2020

This week, the IRS will send paper stimulus checks to taxpayers who earned between $10,001 and $20,000.

May 8, 2020

This week, the IRS will send paper stimulus checks to taxpayers who earned between $20,0001 and $30,000.

May – September 2020

From May through September, the IRS will continue to send paper checks in order from lowest income to highest income based on 2018 or 2019 tax information.

September 4, 2020

The IRS will mail any remaining checks, such as to married couples making $198,000 (the maximum joint income that is eligible to receive a stimulus check).

September 11, 2020

The IRS will send checks to those who didn’t provide contact information to the IRS.

Stimulus Check External Links:

Stimulus Check 2020
IRS Stimulus Check News

SBA Paycheck Protection Program

SBA Paycheck Protection Program And How To Get Stimulus Money

SBA Paycheck Protection Program is getting funds from the $2 trillion stimulus package signed into law are starting to be disbursed by the federal government. Small businesses are eligible for loans that can get converted into grants if certain requirements are met. Businesses with fewer than 500 employees, 501(c)(3) organizations with under 500 employees, certain veteran organizations, freelancers, sole proprietors and gig workers are all eligible for the Paycheck Protection Program (PPP) loans. The PPP loans are different from the disaster loans. The disaster loans, which are for those in a state that has declared a state of emergency, have a 3.75% interest rate for businesses and 2.75% rate for nonprofits and will have to be paid back. If you apply for these loans, you are eligible to apply for a $10,000 grant that you would receive three days after applying. More details are available here. The PPP loans are backed by the SBA but will be provided by lenders. Interest rates cannot be higher than 4% and the maximum loan amount is $10 million. Lenders that are already part of the SBA’s 7(a) program are also qualified to make these loans. You can find a list of those lenders below. Business owners and sole proprietors can begin applying for the PPP loans on April 3, and freelancers and individual contractors can apply on April 10, according to the U.S. Chamber of Commerce. PPP loans can be forgiven if the funds are used for payroll expenses, mortgage payments, or rent and utility costs within eight weeks of receiving the loan. The forgiveness amount depends upon your headcount and can be reduced or increased based on layoffs or hiring. However, the SBA states “due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.

Federal:
1) Paycheck Protection Program: SBA loan of up to 2.5x your monthly payroll costs, forgivable if primarily applied to maintaining your staff (can also be applied to rent and other overhead expenses to a lesser extent)
2) Small Business Debt Relief Program: Covers existing and new SBA loan payments for 6 months
3) Economic Injury Disaster Loans: Up to $10,000 advance for businesses harmed by COVID-19

Paycheck Protection Program How To Apply

In this video we are talking about the paycheck protection program how to apply for the loan. The paycheck protection program can be a forgivable loan if you use it for the designated expenses. We are also doing an application walk-through step by step on how to prepare. Watch this step-by-step video now.

SBA Paycheck Protection Program Loan Information

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Lenders may begin processing loan applications as soon as April 3, 2020. The Paycheck Protection Program will be available through June 30, 2020.

Who Can Apply For SBA Paycheck Protection Program

The following entities affected by Coronavirus (COVID-19) may be eligible:

Any small business concern that meets SBA’s size standards (either the industry based sized standard or the alternative size standard)
Any business, 501(c)(3) non-profit organization, 501(c)(19) veterans organization, or Tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) with the greater of:
500 employees, or
That meets the SBA industry size standard if more than 500
Any business with a NAICS Code that begins with 72 (Accommodations and Food Services) that has more than one physical location and employs less than 500 per location
Sole proprietors, independent contractors, and self-employed persons

SBA Paycheck Protection Program Loan Details and Forgiveness

The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

This loan has a maturity of 2 years and an interest rate of 1%.

If you wish to begin preparing your application, you can download a copy of the PPP borrower application form to see the information that will be requested from you when you apply with a lender. SBA loan process

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Purell Tfx Touch Free Hand Sanitizer Dispenser, Dove Gray 1200ML

The power of PURELL, America’s best instant hand sanitizer, in a non-aerosol foaming formula. reduces the most common germs that may cause illness. Thick, rich foam formula stays on your hands. Patent-pending 62% ethyl alcohol formula is free of fluorinated chemicals. Contains moisturizers to help keep skin hydrated.

This highly durable touch-free dispenser and highly effective hand sanitizer are proven to help reduce germs in homes, businesses and healthcare settings. The PURELL Hand Sanitizer refill works with the TFX touch-free dispenser. TFX is the No. 1 commercial touch-free system. With millions of units installed, across billions of uses, TFX dispensers and refills are designed to be easy to maintain and be reliable. GOJO stands behind the product for the life of the dispenser. When you run out of sanitizer getting a refill is fast and easy. Purchase hand sanitizer item 5392-02 which contains 2 – 1200 mL SANITARY SEALED refill cartridges. Each 1200 mL refill holds up to 1500 uses of sanitizer. GOJO Industries, a purpose-driven Family Enterprise, invented PURELL 30 years ago. Our team of inventors and scientists strive to make it easier, more effective and gentle for us to clean our hands

Touch-free, trouble-free performance
Three C-size alkaline batteries not included
Dove Gray with matte finish
Fully ADA compliant, UL/CE registered
Three-year guarantee
Use with 5456-04 Gel or 5392-02 Foam

Product Options

TFX SHIELD Floor and Wall Protector Attaches to the bottom of the dispenser Protects floor, wall and countertop
ADA-compliant
Easy to install
Color Gray

Product Overview
Touch Free Purell products at the Lowest prices, In stock buy today at Amazon

Specifications
Purell hand sanitizer, touch free hand sanitizer, purell hand sanitizer refills,metal hand sanitizer, purell dispenser,hand sanitizer dispenser

Technical Specifications
Case Pack Includes:1 – 1200 mL PURELL TFX Touch-Free Dove Grey Soap Dispenser, adhesive mounting tape. Dispenser requires 3 “C” Alkaline batteries that are NOT included. Dimensions are: 10.58 h x 4.09 w x 6.0.

Purell Tfx Touch Free Hand Sanitizer Dispenser, Dove Gray 1200ML External Links:

Buy Purell Tfx Touch Free Hand Sanitizer Dispenser, Dove Gray 1200ML at Amazon