Faq

What is a payday loan?

Short term cash advances that are quick and easy due your next pay period.

When will I get the fast cash?

Once approved, you will get the money electronically and begin spending as early as the next day.

What are the approval requirements?

You need a

*Valid checking account

*Employer direct deposit

*Current bank statement

*Monthly net direct deposit income of $1500 or more

How long is the approval process?

You will be notified within an hour by email or phone. If you apply outside of business hours, you will be contacted the next business day.

How do I pay back the cash advance?

The money you owe will be automatically withdrawn from your bank account on the day it is due.

Will I be told when the funds are taken from my account?

You will definitely receive notice before this happens through an email or phone call.

What if I can’t make the payment?

If you feel like you may default, please contact us so we can set up another repayment plan. This will allow you to avoid the $20 N.S.F. fee. We are more than willing to work with you to come up with a new plan.

What is your finance charge?

The charge is a flat $15 for every $100 you borrow with an APR that varies from between 180% and 782.14%. The interest rate will vary depending on your time of repayment.

What if I have bad or no credit?

Your credit history does not play a decision in whether we give you a loan.

Do I have to reapply when I want another loan?

No. After completing a successful borrowing and payback cycle with us, you can get another loan quickly and easily. Simply log onto the members homepage or call us.

Is my personal and financial information confidential?

The information you give is protected under our Terms and Conditions and through encryption.

What if I don’t have a fax machine?

Businesses have fax machines available for public use, such as Kinko’s, Staples, OfficeMax. You can even try your public library.

Can I repay my loan early?

Early repayment is always an option. No penalties come with doing so.

How can I cancel my deferred deposit fast cash loan?

Once your application has been approved, you have one business day to cancel the transaction without penalties . To do so, cal or send an email before 7:00pm Eastern Standard Time the next day of business.