Frequently Asked Questions I'm looking into a cash advance for the first time and I have questions What is a cash advance?
Can I qualify?
How much can I qualify for?
How much does a payday loan cost?
When do I get my money?
When do I repay?
Do you check my credit or report my information to any credit bureaus?
My Loan Application has been Submitted Online What happens next?
I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?
How do I reprint my loan documents?
I Have Received My Funds I'm a little low on funds, can I get an extension on my repayment?
What is a cash advance? A cash advance is a small, short term loan designed to extend you extra cash that you can pay back on your pay day. Simply complete our online application, there are normally no documents to fax. Just complete your application, speak to one of our Verification Specialist and your cash could be on the way, usually the next business day! Return to top
Can I qualify? Qualifying is easy and you don't need to worry about your credit. You can qualify if you: - Currently have a job
- Make at least $1200 per month
- Are 18 years of age or older and a U.S. citizen
- Have a current checking account
- Other requirements may apply
Even bankruptcy, bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need! Start Your Application Now! Return to top
How much can I qualify for? How much you qualify for depends on a number of factors including your income and other factors. To see how much you can qualify for, simply complete our fast two minute online application, speak with a loan agent and your cash is on the way, usually the next business day! And don't worry, any credit type can qualify, even bankruptcy, charge-offs and bounced checks! Start Your Application Now!
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How much does a payday loan cost? The fee for all first loans with us is $30 per $100 borrowed. Our Rewards Based Lending will offer you savings once your first loan has been paid in full successfully. Apply now to learn more about our Rewards program, or click on Live Help and ask for more details. Start Your Application Now!
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When do I get my money? In order to complete your loan and get your cash to you, we MUST confirm your loan details. A loan representative will contact you shortly to get your application process started. If you do not hear from a representative please contact us at 866-808-0936. Return to top
When do I repay? Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it! Are you still a little short on payday? No problem! Online customers are automatically refinanced for four paydays! Just let us know when you are ready to begin the pay down process or when you are ready to pay in full by calling 1-866-808-0936 and we will let you know how. Start Your Application Now!
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Do you check my credit or report my information to any credit bureaus? We do not check traditional credit reports nor do we report any information which might affect your FICOT credit score. As part of underwriting your application we will do a limited credit check with DP Bureau and/or Teletrack, which are specialized subprime credit bureaus serving the payday advance industry. These inquiries are subject to federal law and your privacy and rights are guaranteed by the Fair Credit Reporting Act. Return to top Why do we need your home phone number? Upon completing the online loan application, we may need to contact you for additional information in order to process your loan in a timely fashion. Where possible, we will contact you via e-mail. In most cases, we WILL NOT contact you at home in order to process your application.
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Why do we need to know your work phone number? Like any lender, we are required to confirm your employment prior to sending your cash. Please be aware we DO NOT tell your employer you are applying for a cash advance. If you are not employed, but have regular income you can still qualify for a cash advance. Enter your home number in this field or leave it blank if you have benefits income and are not employed. Return to top
Why do we need to know your monthly income? The amount you qualify for is determined by your personal and unique situation. A number of factors are considered in order to determine how much cash we can give you, including the amount of take home pay you receive monthly. You must have a net income of $1,200 per month. Please do not overstate your income. Return to top
Why do we need to know how often you are paid?
Knowing how often you are paid helps both you and us know when you will be able to re-pay your cash advance (either in full or service fees only, see your personal loan documents generated at the end of this application for exact details). If you are not employed, but receive benefits income, please let us know how often you receive your benefits income. Return to top
I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way? Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you. - We can fax them
- We can email them
- We can fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up.
To make these special arrangements, please visit our Contact us page. Fill out the form, making sure you select: I have a question regarding a PENDING loan One of our helpful representatives will contact you shortly thereafter. Return to top
How do I reprint my loan documents?
You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact us and we can email your documents to an email address you request for later printing or printing at another location. Return to top
I'm a little low on funds. Can I get an extension?
Customers are automatically refinanced for four pay dates so you will not need to make that request.
If your next payday comes around and you are not as caught up as you had planned, don't worry; we have it covered. We will automatically extend your due date, and only deduct the renewal fee from your checking account. Upon your fifth payment we will begin to debit an additional $50 toward your loan along with your current finance fees until your loan is paid in full. Return to top
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