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

Q: What can I use a loan for?
A: Your funds can be use for anything you like, such as car bills, phone
bills, etc. Or anything you like.

Q: What are the requirements for approval?

Q: How much will this cost?
A: Our fee for a payday loan is $25.00 per $100.00 borrowed, with the A.P.R. ranging from 304.17% to 1303.57%. Please refer to our Fee Schedule for more information.

Q: What if I have poor credit?
A: 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.

Q: How soon can I receive my cash advance?
A: We can approve your loan application in only a matter of minutes; provide you have faxed us all copies of the required documents. If you request your loan before 4:00 PM (MST), we can deposit funds into your account by the very next business day.

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

Q: How do I know that the amount you withdraw from my account is the amount you say?
A: Since we are authorized to use the Federal Reserve Wire System, we must abide by the NACHA rules and regulations. As a Lender, we are subjected to federal and state laws and regulations that regulate our lending practices. The amount we withdraw from your account will be the amount that you have authorized.

Q: How are the fee amounts established?
A: 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.

Q: What is your A.P.R.?
A:Our A.P.R range from 304.17% to 1303.57%. Please refer to our Fees Page.

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

Q: Is my payday loan secure and confidential?
A: Absolutely! We transact all our loans on our secure SSL server, utilizing the industry highest standard. Your nonpublic information is completely confidential and protected by our company privacy policy.

Q: How do I determine my due date?
A: 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.

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

Q: Can I get an extension on my payday loan?
A: If you request an extension and we grant that request, you may obtain an extension by paying at least enough to cover interest earned up to that point (usually the finance charge previously disclosed). The fianance charge 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.

Q: Can I pay my loan back early?
A: 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.

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

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