Payday Loans Frequently Asked Questions (FAQ)

  1. I'm Looking into a Cash Advance for the First Time . What is a cash advance?
  2. Can I qualify?
  3. How much can I qualify for?
  4. What does it cost?
  5. When do I get my money?
  6. When do I repay?
  7. I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?
  8. How do I reprint my loan documents?
  9. I'm a little low on funds, can I get an extension?

up What is a cash advance?

A cash advance provides you with emergency cash when you need it most ... usually between paydays! Simply complete our fast two-minute online application; there are normally no documents to fax. Just complete your application, speak to one of our loan agents and your cash could be on the way, usually the next business day!

up Can I qualify?

Qualifying is easy and you don't need to worry about your credit. You can qualify if you:

  • Currently have a job (or receive regular income)
  • Make at least $800 per month
  • Are 18 years of age or older and a U.S. citizen
  • Have a checking account
  • Other requirements may apply

Even bankruptcy, bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need!

up How much can I qualify for?

How much you qualify for depends on a number of factors including your lender, income and employment. To see how much you can qualify for, simply complete this secure and private online formpayday loans, speak with an agent of a participating lender, and your cash is on the way, usually the next business day!

And don't worry, any credit type can qualify, even bankruptcy, charge-offs and bounced checks!

up What does it cost?

The cost of your cash advance loan is dependant on many factors, such as the lender and how you manage your financial obligations. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs that you may experience.

Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work! Actual fees are determined based on the information you provide when you submit your loan request.

Your cash can often be sent to your bank account the very next business day and you don't repay until your next paycheck.

up When do I get my money?

Once you have applied online, your information will be submitted to a lender that will attempt to contact you to verify your information and explain the terms to you. Once you have spoken with your lender, your cash can be in your bank account as early as the next business day!

And don't worry... any credit type can qualify, even bankruptcy, charge-offs and bounced checks!

up When do I repay?

Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it!

Still a little short on payday? No problem! Generally online customers are automatically renewed every pay period. Just let your lender know when you are ready to pay in full, and your loan plus fees will be deducted from your bank account by the lender.

up I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?

Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you.

  • Your lender can fax them to any fax number you request
  • Your lender can e-mail them to any e-mail address you request
  • Your lender can fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up

To make these special arrangements, please contact your lender and the lender's helpful representatives should contact you shortly thereafter.

up How do I reprint my loan documents?

You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact your lender to have them e-mail your documents to an e-mail address you request for later printing or printing at another location.

up I'm a little low on funds. Can I get an extension?

Lenders will generally provide extensions.  Please contact your lender for details.