What is a payday loan?
A pay day loan is a short term personal loan that is repaid with
a preauthorized electronic withdrawal from your checking account
on your next payday.
What if I have poor credit?
We often loan to people who have had past credit problems. The best way to find out if you are eligible for a pay day loan from us is to fill out a new member application for quick cash. After receiving membership approval there is no obligation to receive a pay day loan advance. If you have questions about your eligibility for a loan, learn more about how a payday loan works, or contact us.
How do I receive the cash, and how do I repay the loan?
When you request a payday loan, you authorize us to directly deposit
up to $1000 directly into your checking account. On your next payday,
the amount borrowed plus a fee is automatically withdrawn from your
checking account.
How will I know that you will only withdraw what I owe on the loan?
We have no legal right to withdraw more from your account than you authorize in the loan agreement.
How long does it take to be approved?
One of our loan specialists will contact you within one business day of receiving your membership application. It usually takes less than a day for approval after we have received all your information.
What can a payday loan be used for?
A payday loan can be used for anything you like, including paying rent, bills and purchasing groceries.
What do I need to get a payday loan?
To get a payday loan you must be employed (3 months or more), have an active checking account, earn a monthly income of at least $1000, be a U.S. citizen at least 18 years of age.
Can I still get a payday loan even if I've declared bankruptcy?
Yes you can. There are no credit checks. Your employment is your collateral.
Is my loan confidential?
We do not disclose information about you or your loan to anyone but certified payday loan lenders.
What if I can't pay the loan on the due date?
Most payday loans are extendable. Just contact us at least 2 days before your payday and let us know that you want the loan extension.
Can I request another loan when I already have one loan outstanding?
You can only have 1 payday loan at a time. All prior loans must be paid in full before we will approve a new loan.
Do I need collateral to get a payday loan?
No. Your job is your collateral.
If I have a payday loan from another company, can I still get a payday loan from you?
No, you can only have 1 outstanding payday loan at a time, regardless of which lender it is from.
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