What is a payday loan?F.A.Q About payday loan

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Frequently Asked Questions

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

What can I use a loan for?
Your funds can be use for anything you like, such as car bills, phone bills, or anything you like.

What are the requirements for approval?
• Your account allows Direct Deposit.
• You have held your current job for at least 3 months.
• You have maintained a valid checking or savings account for at least 3 months.
• You have gross income of at least $1200 per month.

What if I have poor credit?
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.

How soon can I receive my cash advance?
We can approve your loan application in only a few minutes, provided that you fax us all required documents. If you request your loan before 4:00 PM (MST) and receive approval, we can deposit funds into your account the next business day.

How do I receive the cash, and how to I repay the loan?
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.

How are the fee amounts established?
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.

What is an A.P.R.?
An A.P.R is the annualized percentage rate of your payday loan. Our A.P.R range is based upon the length of the loan required. Please refer to our A.P.R. Disclosure page for comprehensive information, so you make an informed financial decision.

How do you determine the amount of money to advance me?
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.

Is my payday loan secure and confidential?
Absolutely! A. To assure the privacy of your personally identifiable information, we use 128-bit encryption over an SSL tunnel when you submit your loan application form. Your nonpublic information is also completely confidential and protected by our company privacy policy.

How do I determine my due date?
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.

What happens if I don't have the funds necessary to repay you on my due date?
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.

Can I get an extension on my payday loan?
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 $25.00 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.

Can I pay my loan back early?
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.

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

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

How do I qualify for a $1000 payday loan?
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.



Hundreds of people from all over our country get fast easy loans. Payday loans available in every state. Click a state link below. AL \| AK \| AR \| AZ \| CA \| CO \| CT \| DE \| FL \| GA \| HI \| IA \| ID \| IL \| IN \| KS \| KY \| LA \| MA \| MD \| ME \| MI \| MN \| MO \| MS \| MT \| NC \| ND \| NE \| NH \| NJ \| NM \| NV \| NY \| OH \| OK \| OR \| PA \| RI \| SC \| SD \| TN \| TX \| UT \| VA \| VT \| WA \| WI \| WV \| WY

What are some typical reasons for using a Payday Loan? Payday Loans are designed to be used to solve temporary cash-flow problems. The following examples represent typical users: "My husband is a computer specialist and I'm a physicians assistant. We have a good credit history but we live from paycheck to paycheck. I need my car for work and when it broke down we needed help. Our mechanic is our friend but he needed cash to get the part we needed. We took a payday loan for $500 and repaid it within 3 weeks." "I'm a single mother and I have no health insurance. My daughter was having trouble breathing and I needed cash in a hurry to pay the emergency center. My employer has a no-advance policy, so I took out a payday loan. I got the money when I needed it." "Our septic field failed and we had to fix it immediately. We had some savings but not enough to pay the contractor. We need extra cash fast and this was the best way for us." "Most of the time I meet shortfalls by using my credit card. But there are times when you need cash. It was Christmas and it is traditional to give cash gifts to the building staff. I couldn't put that on my credit card so I used a payday loan instead. It cost me a fee but it was worth it for the speed and convenience." "My parents were coming to visit and I wanted to take them out for a good time. I have a credit card but I needed cash to pay for cabs, a bus tour and other occasional costs. I didn't need a lot of money but I needed cash so it was worth it for me to get an advance on my paycheck. I would definitely do it again." "This sounds crazy but my favorite restaurant does not accept credit cards. I've been talking about taking my girl friend there for months but I needed cash and couldn't use my card. I didn't want to do it but a payday loan worked for me. I hated to spend the extra to pay for the loan but I don't do it every week so what's the difference?"