Payday Loans

We have answered almost every frequently-asked customer question on this page. Just click on a link below--or scroll down--to read more.

I am a military service member or a military family member--can you help me? I live in Florida, Pennsylvania, Delaware, Minnesota, New York, Georgia, Kansas, Colorado, New Jersey, Maryland, Illinois, Nebraska, West Virginia, Massachusetts, Ohio or Montana--can you help me? Why don't I need to fax any loan documents to you? Why doesn't your Website say "Instant Approvals"? How quickly will you approve me? How can I avoid delays so I can be quickly approved? Do you need to call me? Will that slow things down?

Sorry, no. We will not be able to give you a loan if you are a regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Warning: It is important to fill out your information accurately. Knowingly making a false statement on a credit application is a crime.

Sorry, no. We are unable to extend payday loan services to potential customers in the state of Florida, Pennsylvania, Delaware, Minnesota, New York, Georgia, Kansas, Colorado, New Jersey, Maryland, Illinois, Nebraska, West Virginia, Massachusetts, Ohio or Montana.

The payday loan application, your E-Signature, and your E-Documents are safely and securely provided to you on-line. We only require that you fax information when we are unable to verify your employment or banking information through our system.

Nobody gives "Instant Approvals!" Although you want to believe a company when they tell you approval is "instant" you know approval really won't be. With us, there isn't a catch. We are honest about what we need from you. First, you quickly complete our payday loan application. Then, there are a few documents you must review and electronically sign. Then, we work to approve you and notify you (normally within an hour) when you are approved. However, our application takes the average person just four minutes to fill in. Documents can be reviewed quickly--right on your screen. Your signature is provided to us electronically. We've streamlined every step of the process to make it fast and easy. It's not "instant" but it is the fastest complete payday loan application process on the Web because we have optimized everything to require as little of your time as possible.

Normally, in less than an hour after we receive your completed application and E-Signature.

Delays in approving customer loans generally happen when a customer has not provided complete or accurate information and we need to contact him or her to get accurate information. Providing complete and accurate information on the payday loan application ensures we can help you quickly. By the way--if we are able to verify all of your information electronically, we will E-mail you directly with your approval and also information about how to enter the Existing Customers area.

We will contact you if your payday loan application is incomplete or if we need to verify information with you. If we must contact you--and if you are immediately available--we can get what we need from you quickly so approving your loan won't be held up.

Your income and banking history are two factors we consider when deciding how much money to loan you. Typically, first-time customers are given between $300 to $1000. Good third-time customers are usually given between $400 and $1000.

Please see our Additional Information Fee Schedule page.

Yes. We expect you to pay back the loan. Please review our payment options.

Yes. Before every paycheck, as a courtesy, we remind you by E-mail to visit the Existing Customers area and select a Payment Option.

Yes. When you want to pay off the whole amount of the loan you can do so at any time in the Existing Customers area. We understand that repaying your loan will depend upon your circumstances and may take you some time.

Please review our payment options.

To make a payment toward your loan's principal, visit the Existing Customers page. Payments toward loan principal must be made at least three (3) business days prior to the loan due date. When you elect in the Payment Options to pay down your principal, on your next payday we will only debit the finance charge due plus the payment you've elected to make.

Visit the Existing Customers page at any time to see information about your loan.

When you pay your loan in full, we know you are a good customer. Instead of filling out forms again, we simply verify some information and then reactivate your account to provide you with another loan. We must wait three (3) business days before we can reactivate your account. We appreciate your business.

After you have had two loans at the same level and demonstrated you are a good customer by repaying both loans, we will increase your loan level. After your third loan, please use the Existing Customers page and indicate you wish to be pre-approved for a larger loan amount.

Customers in good standing--those who have repaid a loan in full to us without any payment issues--are welcome to reuse our service as many times as they want. Customers in good standing that had payment issues--but worked with us to resolve those issues--are reconsidered on a case-by-case basis. Only customers who have not made good on their payment obligations--and did not work with us to correct issues--are excluded from reusing our services.

Please see the Concerns section of our Contact Us page for details.

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