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What is a payday loan or cash advance?

A payday loan is a rapid response short-term loan that requires no collateral and is designed to help you pay bills now rather than waiting until payday. Using a payday loan can help you to get the goods and services you need now rather than waiting days. Customers who use payday loans are often able to avoid bounced check fees or the uncomfortable feeling of having to borrow money from family or friends.

What can a payday loan be used for?

A payday loan can be used for car repairs, vet bills, doctor bills, party supplies, weekend vacation funds and house repairs.

How much can I receive?

The amount of money you receive for your payday loan depends on the information you supply in your application. The maximum amount we offer per loan is $1,500.

How are fees established?

Our fees vary depending on how much you borrow and all of our fees are in compliance with state and federal lending laws.

How do I qualify for a payday loan?

In order to be approved for a loan you must meet the following conditions:

  • You must be employed or have proof of a regular monthly income
  • Your income must be a minimum of $1,000 per month
  • You must be a U.S. citizen that is at least 18 years of age
  • You must have a valid savings or checking account

What is the procedure to apply for a payday loan online?

All you need to do to apply is fill in our secure online form, and we will have our loan representatives do the rest. You will be notified almost immediately of your approval status.

What information do I need to complete the application?

In order to process your application we require picture identification, your name, your current address, information on your bank accounts and your current employment information.

Is my personal and financial information secure?

Our website is secured with a 128-bit encrypted system. The security of your information is of prime importance to us, and we take every step to ensure the safety of your personal information.

Is there an application fee?

There is no application fee.

Does submitting an application obligate me to take out a loan?

Your application does not obligate you to agree to any loan if you are not ready. We are more than willing to answer any of your questions, and when you feel you are ready you can then confirm your information and complete the process.

Does being a tenant influence my eligibility?

No. Our service applies to anyone regardless of whether you rent or own your dwelling.

Do I need to fax my information?

We do not require faxing of any information.

Can I have more than one payday loan at a time?

You are only allowed one payday loan at a time.

Do you contact current or former employers?

We do not contact any employers or creditors in regards to your loan application.

Do I need direct deposit?

We do require a valid bank account to direct deposit your funds.

When I will receive my payday loan?

Once you are approved we will have the money in your account the next business day. At that point we will work with you on repayment terms.

How will I know that my loan has been approved?

We will notify you by email of your application status. We do reserve the right to make any changes to the terms of your loan up until we transfer funds if we receive any new information regarding your application.

When will my loan be due?

Repayment rules vary by state. Typically you can expect to begin repaying your loan on your next payday which can be anywhere from 8 to 25 days away.

What if I want to pay back my loan early?

Paying your loan early may allow you to be refunded part of your application fee. Contact us if you feel you are able to pay your loan back early.

What if I am unable to repay my loan by the due date?

If you feel you may not be able to pay your loan back on time then contact us to discuss a possible extension of terms. We can discuss other options such as:

  • Using the maturity date on your loan as the date you pay in full.
  • Pay the full finance fees and a portion of your principal by or before the maturity date.
  • We may allow you to pay just the finance fee if you pay by the maturity date.

How often can I get a payday loan?

You are entitled to apply for a payday loan whenever you need short-term financial assistance and if you are not currently paying on another payday loan. If you find yourself needing payday loans on a regular basis, we encourage you to speak to a debt specialist.