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 are unable to pay off the loan in full, we offer our customers the option to extend or to defer their loan. You just need to pay the interest for us to hold on to the check until your next payday. We recommend that you pay as much as you can towards the principle first, to ensure the least amount of interest possible.

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.

What if I can’t pay it back on time?

If your loan defaults you can contact our Account Improvement Department at 866-671-6012 to take care of any past due balances. Once your account is back in good standing you are welcome to borrow again.