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Q: How
does a cash advance, or payday loan, work?
Once approved, your payday loan is electronically deposited into your
checking account the next business day. When you come due, you can
either pay the full amount of your personal loan, or any amount equal
to or greater than your minimum payment. All payments are made online
and are automatically withdrawn from your account on your due date.
There is no need for you to ever leave the privacy of your home or
office.
Q: What's
the major difference with your online payday loan? Why should I choose
your payday loan over the others?
Unlike most payday lenders, your loan fees are prorated. So you
actually pay LESS if you pay off your loan early, saving you even more
money!
Q: How
much can I borrow for an online payday loan?
You can get $100, $200, or $300 for your first online loan, up to $500.
Q: How
much does it cost for a payday loan?
The fee for a check advance is $10 per $100 borrowed, so for a $300
loan, the fee is $30, or $330 total due.
Q: What is
your low price guarantee about?
If you find a lower cost payday loan on the Internet, your first payday
loan is free. Our rates are the lowest in the industry at $10 per $100
loaned for a 14 day period GUARANTEED. Meanwhile, our competition
charges $20-$30 per $100 loaned!
Q: How
long does it take for me to get the money?
If your online payday loan application is approved, it will only take
one business day for the money to be directly deposited into your
checking account. Most of our loans are approved within 24 hours. If
you apply prior to the 5:00PM CST processing deadline, funds could be
available to you tomorrow! Please remember, we do not operate on the
weekends or national holidays.
Q: What do I need to get a personal loan?
All you need is a checking account open for at least one month with no
bounced checks, a steady job or steady source of income and not more
than one other payday loan or cash advance with any other lender.
Q: How long is the loan for?
This is a paycheck advance, therefore your due date is based on your
next payday (up to 14 days).
Q: How long should I have the loan for?
These are short term loans designed to help you with an urgent
situation. All payday loans, cash advances, and check advances should
be paid back rapidly, and not used for an extended amount of time.
Q: What do I do if I do not have a fax
machine and I am requested to fax something to you?
If you do not have a fax machine, you can visit a local Kinkos or UPS
Store in order to send your fax. Follow these links to find the store
nearest you:
Kinkos
Store Finder
UPS Store
Finder
Q: How
much will be withdrawn when my payday loan comes due?
The full amount due will be withdrawn unless you choose to make a
payment. For example, if the loan is $100, and it is your first loan
with us, $100 will be withdrawn on your payday/due date unless you want
to make a partial payment. The $10 fee per $100 loaned will be added to
the amount left over.
If borrowing $100, $110 will be withdrawn on your payday/due date,
unless you make a partial payment.
Remember, if you are paid once a month, you are required to pay in
full.
Q: Will I
be approved?
Most people are approved for our payday loans, unless you have bounced
checks or are not currently employed.
Q: Can I
make a Payment on my payday loan?
If you are paid once a month, you will be required to pay the loan in
full on the date due, which is your payday. However, if you are paid
MORE than once a month, we do offer a payment option on our cash
advances.
Q: When
can I make a payment on my loan?
You may submit a payment request at anytime before your payment request
deadline. The earlier you pay off your loan, the more you save!
Q: How do I make a Payment on my
Loan?
It’s easy. Just visit our website and click on "My Account"
at the top
of the page. From there, log in, using your email address and password
set up on the original application.
Apply
for Your Payday Loan!
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