Frequently Asked Questions

What is a payday loan or a cash advance?

A payday loan provides a person with cash in advance when you need it the most – usually between paydays. A payday loan can be provided for those who are facing financial hardships or a cash emergency, or those who are looking to receive cash before an actual paycheck. Payday loans are protected against a future source of income such as a paycheck or a government payment.

What is required to apply for a loan?

You need a job or proven source of income, email address, verifiable phone, a checking account in good standing with Direct Deposit from your employer, and you must be at least 18 years of age and be a U.S. citizen. All signed Loan Agreements are subject to verification of prior loan history and application data.

What about collateral to receive a loan?

Your job and your paycheck are your collateral.

Does it matter if I have bad credit or no credit?

It does not matter if you have bad credit or no credit at all. Payday loans are designed to help people in need of emergency credit, so lenders understand that you may have had credit troubles in the past.

Do you check the major credit bureaus during the application process?

No, the three major, traditional credit bureaus are not used in the application process.

How much can I borrow?

In most cases, our loans range from $100 – $1000.

How will I receive my money?

The process is automatic and convenient. Once your loan is approved, the funds are electronically deposited into your account via an ACH/EFT transaction.

When can I expect to receive my money?

Your loan application will be processed quickly once it has been received. Once the loan is approved you will generally receive your money the next business day (excluding bank holidays and weekends).

Will I be allowed to use my pay day loan for any reason that I need?

Absolutely! We cannot tell you how to use payday loans. It is entirely up to you to use it wisely.

When do I repay?

Your repayment is the best part. The minimum required payment is the processing charge which is due on your next pay date. You have the option to pay only the processing fee or to pay the fee and the principal in full. We also accept smaller principal payments if your current budget does not allow for a full payoff. You get cash when you need it most and repay when you have it!

How long is the loan for?

This is an online cash advance; therefore your due date is based on your next payday (up to 16 days away). If you get paid twice a month, you will be due on your very next payday. If that date is less than 5 days away, we will use your next payday up to 16 days total.

Is applying online safe?Absolutely! When you complete and submit your application it is done so in a secure environment online using an HTTPS or Hypertext Transfer Protocol Secure connection.