What are cash advances or payday loans?
Cash advances and payday loans are short-term unsecured loans that help out borrowers until their next paydays. Customers often choose these loans to pay for small, unexpected costs in order to avoid expensive fees related to bounced checks and late payments. Our Web site allows prospective borrowers to apply online and loans may be deposited electronically into their bank accounts.
How can I use one of your loans?
Our borrowers can use payday loans to pay bills, cover unexpected expenses or even celebrate special occasions. A payday loan can truly be used at the borrower's discretion.
What do I need to qualify for a payday loan?
Borrowers must meet the following requirements:
What is the process to apply online for a payday loan?
Prospective borrowers need only to complete and submit the online application. The application will immediately be evaluated and the applicant will be notified of his or her status.
What information must I provide to apply for one of your loans?
To apply for a payday loan on our Web site, you must provide your name, address, employment or income information and banking details.
How secure is my personal and financial information?
We absolutely respect our customer's privacy and security. To secure borrower's sensitive financial data, our Web site uses a variety of security measures, including a 128 bit Secure Socket Layer (SSL) encryption technology.
Do you charge an application fee?
Our Web site never charges applicants any fee to apply and qualify for a payday loan.
Does applying for a payday loan require me to borrow funds?
Absolutely not. By submitting your application, you are merely stating your interest in an agent approving your for and discussing with you payday loan options. Upon approval, you may fully discuss terms and conditions of the loan with an agent, ask any questions, and cancel your request at any time, should you desire. If, however, you decide to continue with your loan request, you will be asked by one of our agents to confirm your information and agree to the loan terms.
Can I get one of your loans if I have bad credit?
Many of our lenders don't check applicant's credit bureau reports. Therefore, many applicants with credit issues are able to take advantage of cash advances and payday loans.
Am I eligible to borrow from you if I am a tenant?
Your loan eligibility is not impacted by whether you rent or own your home.
Do I have to fax you information?
We rarely ask applicants to fax any documents.
How many payday loans can I have at the same time?
Borrowers may only be issued one loan at a time. The first loan must be repaid before another will be approved.
What if I don't have direct deposit?
To qualify for one of our cash advances, your bank account must allow direct deposit. We find direct deposit is the most secure way to issue loans in the quickest way possible.
How soon will I receive my cash advance?
Many borrowers will receive funds the same day, but they never have to wait longer than the following business day.
How soon do I need to repay my loan?
Payment is due on your next payday.
Can I repay my loan early?
If you want to repay your loan before its scheduled due date, you may contact us. By doing so, you may be given a partial refund of the loan's fee.
What happens if I can't repay the loan by its due date?
If you will not have repayment money by your due date, be sure to contact the lender. Per the loan's contract, however, you should make every attempt to repay the loan by its due date.
How often will you lend me a cash advance?
Our services are available any time you need financial help in between pay periods. However, we encourage all borrowers to use their loans responsibly and remember that these loans are designed for short-term solutions to urgent monetary needs. Payday loans and cash advances should not be used frequently to assist with ongoing financial issues.