Questions & Answers

What is a payday loan?
What can I use a loan for?
What are the requirements for approval?
How much will this cost?
What if I have poor credit?
How soon can I receive my cash advance?
What documents do you require for me to fax in?
When will I hear from you?
How do I receive the cash, and how to I repay the loan?
How do I know that the amount you withdraw from my account is the amount you say?
How is the fee amounts established?
What is an A.P.R.?
How do you determine the amount of money to advance me?
Is my payday loan confidential and secure?
How do I determine my due date?
What happens if I don't have the funds necessary to repay you on my due date?
Can I get an extension on my payday loan?
Can I pay my loan back early?
What about loan requests on Fridays or the weekends?
In which state are you authorized to provide payday loans?
Do you provide payday loans for military personnel?
How do I qualify for a $1000 payday loan?

Q: What is a payday loan? Back to top
A: A payday loan or a payday advance is a quick and confidential way to get a cash advance until your next paycheck.

Q: What can I use a loan for? Back to top
A: Your funds can be use for anything you like, such as car bills, phone bills, etc...Or anything you like.

Q: What are the requirements for approval? Back to top
A:

• Direct deposit.
• Have your current job for at least 3 months.
• Have a valid checking or savings account for at least 3 months.
• Monthly net income minimum of $1000.

Q: How much will this cost? Back to top
A: Our fee for a payday loan is $20.00 per $100.00 borrowed, with the A.P.R. ranging from 243.33% to 1042.86%. Please refer to our Fee Schedule for more information.

Q: What if I have poor credit? Back to top
A: No problem! Unlike many other financial institutions, we do not require that you have good credit or, for that matter, any credit history at all. If you have any questions about qualifying for a payday loan, please contact us.

Q: How soon can I receive my cash advance? Back to top
A: We can approve your loan application in only a matter of minutes; provide you have faxed us all copies of the required documents. If you request your loan before 4:00 PM (MST), we can deposit funds into your account by the very next business day.

Q: What documents do you require for me to fax in? Back to top
A: None.

Q: When will I hear from you? Back to top
A: By E-mail within one hour about the status of your loan during normal business hours, Monday to Friday, 7AM to 6PM (MST). For applications submitted after-hours, we will contact you first thing the next business morning.

Q: How do I receive the cash, and how to I repay the loan? Back to top
A: When you apply for a payday loan, you authorize us to directly deposit the approved amount into your account. You also authorize us to directly withdraw from your account on your next payday for the same amount advanced plus our fee.

Q: How do I know that the amount you withdraw from my account is the amount you say? Back to top
A: Since we are authorized to use the Federal Reserve Wire System, we must abide by the NACHA rules and regulations. As a Lender, we are subjected to federal and state laws and regulations that regulate our lending practices. The amount we withdraw from your account will be the amount that you have authorized.

Q: How is the fee amounts established? Back to top
A: In the interest of consumer protection, the fee we charge is never higher than the law allows. It is our goal to offer you the best service at the most competitive fee possible.

Q: What is an A.P.R.? Back to top
A: An A.P.R is the annualized percentage rate of your payday loan. Our A.P.R range from 243.33% to 1042.86%. Please refer to our A.P.R. Disclosure for more information, so you make an informed financial decision.

Q: How do you determine the amount of money to advance me? Back to top
A: State law generally regulates the maximum advance amount available to our customers. Within the allowed range, you qualify for a particular advance amount based on your current income.

Q: Is my payday loan secure and confidential? Back to top
A: Absolutely! We transact all our loans on our secure SSL server, utilizing the industry highest standard. Your nonpublic information is completely confidential and protected by our company privacy policy.

Q: How do I determine my due date? Back to top
A: All loans are due on your next payday, unless your next payday is less than 7 days away. In this case your check will be held until your second payday. The maximum advance term is 30 days.

Q: What happens if I don't have the funds necessary to repay you on my due date? Back to top
A: You must contact us immediately! If you contact us two business days prior to the due date, we can make arrangements for an extension. If do not contact us two business days before your due date, we will charge you extra fees on top of what you owe us, including a NSF fee of $20.00.

Q: Can I get an extension on my payday loan? Back to top
A: Yes! If you are unable to repay your payday loan on the due date, you can pay a fee to extend your loan until the next payday (18-day maximum). The extension fee is $20.00 per $100.00 borrowed. Please note that we can only allowed two (2) extensions. The loan may not be rolled over beyond twelve (12) weeks after the day on which the deferred deposit loan is executed.

Q: Can I pay my loan back early? Back to top
A: Yes, you can pay your loan back early. Contact us to let us know that you want us to debit your account earlier than the due date. You may be entitled to a refund or discount of the fees, depending on the date of payment.

Q: What about loan requests on Fridays or the weekends? Back to top
A: All Friday loan requests before 4:00 PM (MST) will be funded on Monday. All weekend requests will be treated as Monday's requests.

Q: In which state are you authorized to provide payday loans? Back to top
A: We are a Delaware based lender. Our loans are governed by Delaware law. Delaware law governing consumer loan agreements may differ from the law of the state where you reside. If you do not want to enter into a loan agreement subject to Delaware law, you should apply for this loan at a lender located in the state where you live.

Q: Do you provide payday loans for military personnel? Back to top
A: Yes, active and retired military personnel are welcome. A large segment of our clients are from this sector.

Q: How do I qualify for a $1000 payday loan? Back to top
A: On your first loan with us, you can borrow up to $300. Once you are approved and in good standing, we can increase your loan amount by $100 for every subsequent loan up to $1000 maximum.