Frequently Asked Questions

I'm looking into a cash advance for the first time

1. What is a cash advance?
2. Can I qualify?
3. How does a cash advance work?
4. How much can I qualify for?
5. What does it cost?
6. When do I get my money?
7. When do I repay?
8. Do you check my credit or report my information to any credit bureaus?

My Loan Application has been Submitted Online

1. I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?
2. How do I reprint my loan documents?

What is a cash advance?

A cash advance provides you with emergency cash when you need it most ... usually between paydays! Simply complete our fast online application, there are normally no documents to fax. Just complete your application, speak to one of our loan agents and, if you are approved, your cash could be on the way, usually the next business day!

Visit our quick cash advance overview.
Return to top

How does a cash advance work?

Each Cash Advance loan is set up as an installment loan to be paid off in two to ten payments, depending on the amount borrowed. On each due date, your minimum payment will be 10% of the original principal along with the fees accrued to that date. However, you can pay the loan off at any time and your fees will be reduced accordingly.
Return to top

Can I qualify?

Qualifying is easy. You may qualify if you

• Currently have a job (or receive regular income)
• Have a voided check (with your name preprinted)
• Have a checking account
• Other requirements apply

Start Your Application Now!
Return to top

How much can I qualify for?

How much you qualify for depends on a number of factors including your income. To see how much you can qualify for, simply complete our fast online application, speak with a loan agent and, if you are approved, your cash could be on the way, usually the next business day!
Start Your Application Now!
Return to top

What does it cost?

Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs and overdrafts are just some of the urgent cash needs our customers have experienced.

Your interest payments may be less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work!

Your cash can often be sent to your bank account the very next business day and payments don't begin until your next paycheck!
Start Your Application Now!
Return to top

When do I get my money?

In order to complete your loan and get your cash to you, we MUST confirm your loan details. A loan agent will contact you shortly to get your application process started. If you do not hear from a representative please contact us at 800-899-2274 during our normal business hours of Monday - Friday 8:30am - 7:00pm EST and Saturdays from 9:00am - 1:00pm EST.
Return to top

When do I repay?

Your repayment is the best part. You may pay by check or money order or the minimum required payment will be deducted from your bank account. You get cash when you need it most and repay according to your payment schedule.

Do you check my credit or report my information to any credit bureaus?

We do not check traditional credit reports nor do we report any information which might affect your FICO™ credit score. As part of underwriting your application we will do a credit check with DP Bureau and other specialized subprime credit bureaus. These inquiries are subject to federal law and your privacy and rights are guaranteed by the Fair Credit Reporting Act.
Return to top

Why do we need your home phone number?

Why do we need to know your work phone number?

If you are not employed, but have regular income you can still qualify for a cash advance. Enter your home number in this field or leave it blank if you have benefits income and are not employed.
Return to top

Why do we need to know your monthly income?

The amount you qualify for is determined by your personal and unique situation. A number of factors are considered in order to determine how much cash we can give you, including the amount of take home pay you receive monthly.

PLEASE DO NOT OVERSTATE YOUR INCOME. Overstating your income will result in delays in processing your application or denial of your application.

If you are not employed, but receive regular benefits income, please enter the amount you receive per month.

You must have a net income of $1,000 per month or benefits income of at least $800 per month to qualify for a cash advance.

Why do we need to know how often you are paid?

Knowing how often you are paid helps both you and us know when you will be able to re-pay your cash advance (either in full or service fees only, see your personal loan documents generated at the end of this application for exact details).

If you are not employed, but receive benefits income, please let us know how often you receive your benefits income.

I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?

Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you.

• We can fax them to any fax number you request
• We can email them to any email address you request
• We can fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up. Click an icon below to find one closest to you.

I have a question regarding a PENDING loan application.

How do I reprint my loan documents?

You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact us and we can email your documents to an email address you request for later printing or printing at another location.

Return to top