Payday Loans Frequently Asked Questions

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 $1000 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 income and other factors. To see how much you can qualify for, simply complete our fast two minute online application, speak with a loan agent 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?
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 our customers have experienced.

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 application.

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?
In order to complete your loan and get your cash to you, you MUST confirm your loan details. You will receive an email shortly with your Customer Service username and password. If you do not receive an email, please contact us at customerservice@ameriloan.com or call us at 800-470-3004.

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! Online customers are automatically renewed every pay period. Just let us know when you are ready to pay in full, and we will deduct your loan plus fees from your bank account.

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.

• We can fax them to any fax number you request
• We can email them to any email address you request
• We can fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up

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 us and we can email your documents to an email address you request for later printing or printing at another location.

up I'm a little low on funds. Can I get an extension?
Customers are automatically renewed, so you do not need to request it. If your next payday comes around and you are not as caught up as you had planned, don't worry; we have it covered. We will automatically extend your due date, and only deduct the renewal fee from your checking account. Additional fees will apply, but you will be able to repay your cash advance from future paychecks.

Rich's Enterprises, L.L.C.
Prattville, Alabama (Est 1998)
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