Payday Loans

frequenlty asked questions

An online payday loan is simply an unsecured loan, which means we give you a loan without asking for collateral in return. So we will not ask for you to back up your loan with any piece of personal property, such as a car, or house. Our loans are meant to help with you unexpected expenses that may occur prior to you getting paid, putting you on the spot. If you need a way to get out of a financial spot quickly, simply apply for an online payday loan and provided you meet our eligibility and supply us with all the needed information up front, you can find out if you have been approved within minutes! If so, the funds are directly deposited into your checking account.

Our online payday loans can be used for a number of situations but are especially useful for unexpected bills. These bills can be from credit cards, medical expenses, or for utilities. Don't run the risk of bouncing a check or accruing additional fees. By using an online payday loan you take care of the problem at hand immediately.

You can request up to $1,500; however, the amount you are actually approved for will depend on a number of factors, including your employment information.

You can expect a fee of $25 to $30 for every $100 borrowed. These fees are carefully controlled by State and Federal laws, and we take great care to abide by those laws.

While we do not require credit checks, we do require that you meet the below requirements. You must:

• Have an active checking or savings account
• Be a U.S. citizen and at least 18 years old
• Prove current employment with at least $1,000 in monthly income

All you need to do is apply via our handy online application form which is available on our website. After submitting this application, you will quickly learn if you have been approved for the amount you requested (up to $1,500).

We ask for your personal information, such as your complete name, address, and your place of employment. We will also ask you for other details including information for an active checking/savings account (account number and routing number will be required). You will also be asked to supply proof of identification (any ID presented must have a picture).

Our website has been constructed with your security in mind. We utilize 128-bit computer encryption which ensures that all information transmitted to us is protected from hacking. We continually test our site to make sure that everything is running properly. Your information is 100% secure.

No. We don't ask you for any upfront fees.

The approval process usually happens fairly quickly. You are notified and you will have a chance to think it over. When you are ready you only need to call our loan officers and advise them of your acceptance. The acceptance process is easy. If for some reason you have changed your mind, you can notify them at that time of your decision.

Since a credit check is not required, bad credit is not an issue. We base our decision for a loan solely on the information supplied to us.

Home ownership is not a requirement for eligibility so you needn't own a home to qualify.

Our application process does not require a fax machine. All you need is online access so that you can complete our application via our website. We don't require any documents to be faxed to us at any time.

Our policy only allows for one loan per customer. You must pay off your existing loan to become eligible for another.

No. We make our decision based solely on the information on your application. We don't call current or past employers.

Should we approve your loan, funds are deposited only into an active bank account, so yes, you do need a bank account which accepts direct deposits.

We normally process loans within the hour after receiving an application. If you receive an approval, you can expect your funds by the next business day, At this time, you will learn about your repayment terms and you will need to meet a repayment schedule.

We notify you by email to let you know that you have been approved for the loan. We reserve the right to change any agreement terms up until the funds have been distributed to you.

Your online payday loan repayments can begin starting 8 to 25 days after your funds have been distributed to you. We follow State and local laws which mandate repayment terms for the public. Normally, we try to coincide your first payment with your next pay check.

Yes, of course, Early repayment may entitle you to reimbursement of certain loan fees. Call our customer service department and they can give you more information based on your particular situation.

If you find it difficult to pay your loan back per our agreed upon terms, we may be able to give you more time. We may choose from various options for paying back a loan, such as:

• Paying the finance charges in addition to some principle before the loan's due date
• Paying only the loan fees on the due date
• Or if you are able, paying the repayments per the terms originally agreed to

These types of loans are meant to be used for emergency, short-term uses only. Should you find yourself in need of constant borrowing, you may want to seek the assistance of a financial counsellor who can help you with budgeting your money better.