How much can I borrow?

Most customers qualify for up to 35% of their monthly gross income.

How do I qualify for a cash advance?

You need a valid photo ID, Proof of income (paystub), a check from your open and active checking account, and the ability to repay the loan.

When do I have to pay it back?

Payday loans are short term and therefore, are usually set up to be paid back on your next payday.

What is the interest rate?

The APR is 417.14%, that breaks down to just $8 per $100 per week. Example: if you borrow $100 for one week you only pay back $108. The interest is pro-rated daily so if you do not have a loan out for a full week you will not pay the full weeks interest.

Can I do a payment plan?

Yes, every customer is eligible for one payment plan per year. We will split up the loan into four equal payments with no added interest.

What if I can’t pay it back on time?

If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements. If we are unable to reach you or if we cannot collect a delinquent balance you owe, a notice may be reported to credit bureaus reflecting your late or non-payment. Such action may impact your credit rating. Pursuant to governing law we may also seek legal recourse. Some delinquent accounts may be placed or sold to a third party collection agency that follows the FDCPA. As noted above, late fees and returned item/NSF fees may apply as described in your loan agreement.

How do you determine if a person qualifies to borrow?

Each application must meet our underwriting criteria. Most customers qualify if they are currently employed (have a source of income), have an open and active checking account, and have a working home phone or cell phone.

How much can I borrow?

In most cases you can borrow up to 25% of Gross Monthly Income. However, state specific laws and other factors may affect your credit limit. For more information please check the Annual Percentage Rate Disclosure for your state.

How do I qualify for a cash advance?

Qualifying for a Cash Advance is Easy! All you need is Employment, an open and active Checking Account.

When do I have to pay it back?

In most cases, your loan will be due on your next payday that is at least 8 days away.

What is the interest rate?

For specific Interest rates charged in your state please refer to our Rates and Fees page.

Can I do a payment plan?

In most states we follow CFSA guidelines regarding payment plans; however some states have specific payment plan requirements.