Frequently Asked Questions (F.A.Q)

I'm Looking into a Cash Advance for the First Time

My Loan Application has been Submitted Online
I Have Received My Funds

What is a Cash Advance or Payday Loan? A cash advance provides you with emergency cash when you need it most ... usually between paydays! Simply complete our fast two-minute online application; there are normally no documents to fax. Just complete your application, speak to one of our loan agents and your cash could be on the way, usually the next business day!

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 (or receive regular income)
  • Make at least $1000 per month
  • Are 18 years of age or older and a U.S. citizen
  • Have a checking account
  • Other requirements may apply
Even bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need!

Please note: In some cases, additional credit and/or financial information may be required by a pre-approving lender to complete the loan process.

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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 charge-offs and bounced checks!

What does it cost? The cost of your cash advance loan is dependant on many factors, such as the lender and how you manage your financial obligations. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs our customers have experienced.

Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work! Actual fees are determined based on the information you provide when you submit your loan application.

Your cash can often be sent to your bank account the very next business day and you don't repay until your next paycheck.

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When do I get my money? Once you have applied online, a loan agent will attempt to contact you to verify your information and explain the terms to you. Once you have spoken with your loan agent, your cash can be in your bank account as early as the next business day!

And don't worry... any credit type can qualify, even charge-offs and bounced checks!

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!

Still a little short on payday? No problem! Online customers are automatically renewed every pay period. Just let us know when you are ready to pay in full, and we will deduct your loan plus fees from your bank account.

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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 to any fax number you request
  • We can email them to any email address you request
  • 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 discuss this with your loan representative when they call you to review your banking information.

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.

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I'm a little low on funds. Can I get an extension? Customers are automatically renewed, so you do not need to request it.

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. Additional fees will apply, but you will be able to repay your cash advance from future paychecks.

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