What is a cash advance loan or payday loan?
A cash advance loan is an unsecured loan that will help you get through to your next payday. The loan is unsecured, so you will not need collateral. You can use a payday loan to help take care of unexpected expenses such as car repairs or emergency medical bills, or pay that phone bill on time to prevent disconnection. You can get started online using our request form and the money is deposited to your savings or checking account.Why do I need a payday loan?
Expenses sometimes come up before payday that need immediate attention or else there will be consequences. You can pay your cable bill on time and avoid bouncing a check or paying a late fee.How much money do you loan?
Your loan amount depends on your employment information. We can loan up to $1,000 to first-time borrowers.How do you determine the fees?
We abide strictly by state and federal laws for establishing our loan fees. As per the applicable laws, our fees can range anywhere from $25 to $30 for every $100 you borrow.What are the requirements to qualify for a loan?
You need to meet the following requirements:
- An active savings or checking account
- Be a citizen of the U.S. and be at least 18 years of age
- Have a verifiable income of at least $1,000 per month
- You must be employed
How do I apply?
We have a simple online request form you will find on our website. You will know within minutes if you are approved or not.How do I complete the request?
In order to have your request considered you need to provide your name, address, information about your employer, bank account information and one form of picture identification.Will my personal information be safe with your request process?
Absolutely! We use state-of-the-art 128-bit computer encryption and secured web pages to protect all of your personal information. The safety of your information is as important to us as it is to you!What does it cost to start?
Nothing!Do I have to take a loan if I am approved?
No. You will be notified immediately in regards to your approval. At that point you are welcome to contact us to ask questions and give it some thought. When you are ready to proceed, you simply follow the acceptance process.Do I need to own a home to qualify?
Renters and homeowners can qualify for a payday loan. It makes no difference to us!Can I have multiple payday loans going at the same time?
No. You must pay off an existing payday loan before you can be approved for another.Do you call my past or present employers?
No. Your request status is completely confidential and we consult with no one to determine your eligibility.Is direct deposit necessary to qualify?
For your security, we only send money through direct deposit to your bank account.How fast will I get my money?
Your request will be processed in less than an hour after we receive it. Once you accept the terms of the loan, the money will be available the next business day. After you have received your money, we will begin discussing repayment terms with you that fits your budget and schedule.Will I be notified when my money is available?
We will notify you by email when you are approved. We reserve the right to alter the loan agreement up until the time you receive your funds if new information regarding your loan request is presented.When will I have to pay the money back?
Repayment terms vary depending on your state and local laws. We generally try to reschedule payment on your next payday, or within 8 to 25 days from receipt of payment.Can I pay back my loan early?
Paying your loan back prior to the scheduled due date may entitle you to a refund of some of your loan fees. Contact us if you intend on paying back your loan early to see how you can benefit.What if I can't pay my loan back on time?
A loan extension may be available if you cannot pay back on time. We offer options for repayment including:
- Pay the loan back as agreed to in your documents
- Pay back a portion of the principle and all of the finance charges prior to the due date
- Pay just the loan fees on the due date
Am I limited to how many times I can get a payday loan?
We want to help our customers with their short-term bill paying needs. If you are finding yourself in need of payday loans on a consistent basis, then you may be experiencing a more serious budgeting issue. We recommend using these loans only in emergency situations. Consult a financial expert if budgeting problems persist.