Frequently Asked Questions

What is a Cash Advance?

A cash advance is a short term unsecured loan until your next paycheck. Apply for a payday loan online and have money deposited directly to your checking or savings account.

What are the requirements to qualify?

Qualifying for a cash advance is easy. We don't check your credit. The requirements are that you must:

Have a job
Make at least $1000 per month with direct deposit
Be 18 years of age or older and a U.S. citizen or resident
Have checking account or savings account

How long does it take to get the funds?

Approval is fast. Once approved, the money will be transfer to your bank account next day.

Can I get a loan even if I have bad credit?

Your credit is not a factor when applying for a payday loan.

What collateral is required for the loan?

No collateral is required.

Do I need direct deposit?

At this time we can only process your loan if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as we do.

Is there a fee to apply?

No. We never charge an application fee.

Is my application and financial information secure?

Yes. We have security measures in place to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

How much can I borrow?

Although we lend up to $1,500, each state regulates the maximum advance amount which can be borrowed. The borrow amount also depends on your income.

How are fees established?

Our fees are competitive and in compliance with all applicable state and federal laws.

Why is there so much information in the Loan Agreement?

The Agreement is a contract that complies with all applicable state or federal disclosure requirements. It completely outlines the terms of the payday advance, including the cost of the service fee both as a dollar amount and as an annual percentage rate (APR).

When is the loan amount due?

Cash Advances are usually due when you receive your next paycheck via direct deposit. The standard time for loan repayment is usually no less than seven days and no longer than eighteen days.

What if I can't repay the payday loan in full on my due date?

We have different payment options available for our customers:

1. Paying the loan in full on the maturity date listed on your loan agreement*.

2. Paying the finance fee and a portion of the principle on or before the maturity date*.

3. Paying only the finance fee on the maturity date*.

*Some additional terms and conditions may apply. Please ask your loan officer about all of the repayment options