Frequently Asked Questions

What is a payday loan?

Payday loans are a convenient way to obtain a short term personal loan. Commonly $1500.00 or less, it is an alternative to expensive non-sufficient fund (NSF) fees and or penalties for late a payment that could blemish your credit report. You should evaluate the costs and benefits of all alternatives before borrowing. There are other forms of short-term loans that can be less expensive than a payday loan. Examples of these would be a loan from another institution or from family or friends, a credit card payday loan, or if you have a bank account with overdraft protection.

Is my application secure and confidential?

We utilize secure 128-bit encrypted order forms online. Look for the lock icon at the bottom of your browser to insure a secure form. We deeply respect our customers' desire for privacy in managing their personal finances. The payday loan application is confidential, and your personal information will be treated accordingly.

What do I need to get a payday loan?

To be eligible for payday loan you must be:

* A U.S. citizen or a legal resident alien
* At least 18 years of age
* Have to be employed at your current job for 3 months or more
* Have an active checking account
* Earn a monthly income of at least $800 after taxes

What is the maximum amount I can borrow?

The maximum amount you can borrow is typically regulated by state law and at the discretion of the lender. You qualify for a particular advance amount based on your current income. There are times when you may not be able to borrow as you would like, but a payday loan should be just a part of a short-term financial solution. We would not be helping you if you received more than you have the ability to repay.

How long will it take for me to get approved?

Once your application is submitted, it is readily approved by one of our cash advance network lenders. To increase the success of your application, please only apply to one website and payoff any outstanding cash advances.

How do I receive my cash advance?

Once approved, an email confirmation will be sent to you and your money will be electronically deposited directly into your checking account.

Do I need any collateral or at least good credit?

No. Unlike other financial institutions, lenders normally do not obtain a complete credit report. If you have bad credit, a bankruptcy, and no credit at all, a cash advance may be the perfect solution for you. Your collateral is your job, not a secured asset.