Fequently Asked Questions

Q. What is a payday loan?
A. Payday loans are a convenient way to obtain a short term personal loan intended to cover expenses until your next payday. You should evaluate the costs and benefits of all alternatives before borrowing.

Q. How much can I borrow?
A. Up to $700.00 the first time and $1000.00 thereafter. (Contingent upon income level and various underwriting criteria.) There are times when you may not be able to borrow as much as you would like, but a payday loan should be just a part of a short-term financial solution.

Q. What is the cost of borrowing?
A. The total cost depends on the amount borrowed and your history with the company, and will be explicitly stated in the loan document before you make any commitment.

Q. Is my application secure and confidential?
A. The payday loan application is confidential, and your personal information will be treated accordingly. Look for the lock icon at the bottom of your browser to insure a secure form. We take our customers’ desire for privacy in managing their personal finances very seriously.

Q. How long will it take for me to get approved?
A. Once your application is submitted, you will be notified instantly if you are approved, pending verification with customer service. To increase the success of your application, please only apply to one website and payoff any outstanding cash advances.

Q. How do I receive my cash advance?
A. Your cash will be electronically deposited directly into your checking account.

Q. Do I need any collateral or at least good credit?
A. No collateral is required. If you have bad credit, a bankruptcy, or no credit at all, a cash advance may be the perfect solution for you.

Q. When will the loan be due and can I extend it?
A. Generally the loan is due on your following payday. If you find yourself needing extra money after your first advance you may be able to pay the finance charge and extend the loan until your next payday.

Q. When will I receive my loan?
A. You will generally receive your money within the next business day.

Q. Once paid off, how soon can I get another loan?
A. You can apply for a new loan immediately after your loan is paid off. We generally recommend that you wait 3 business days to reapply.