HOW DOES THIS WORK?
Fill out the easy online application for instant pre-approval. If approved, your money will be deposited directly into your checking or savings account by ACH. On your loan due date, we will AUTOMATICALLY debit ONLY the finance charge from your bank account unless you want to pay the loan in full or other payment arrangements are made for a partial payment of your principal. Additional fees will apply if you choose the option to renew your loan. You may renew your loan up to four times before you will be required to make a payment on your principal. This will happen automatically unless you contact us for other arrangements.

CAN I USE A SAVINGS ACCOUNT ?
Yes! We accept regular checking accounts AND savings accounts that allow ACH credits and debits.

WHEN WILL I KNOW IF I AM APPROVED OR DENIED?
As soon as we have ALL the indicated information and supporting documents from you, the approval/denial process is usually completed the same day (depending on the time of day your application was received. If approved, you will have your money deposited into your checking or savings account the very next business day (if approved after 5PM EST, then your money will be deposited the following business day). If you are denied, you will receive an email notification. You can call our telephone automated system 24/7 to check the status of your account .

I ONLY GET PAID ONCE A MONTH - CAN I STILL GET A LOAN?
Yes, your loan (in most cases) will be due on your next payday.

WHEN WILL I GET MY MONEY?
As soon as we have ALL the information from you that we need, the approval/denial process takes about two hours. If approved, your loan amount will be deposited into your personal checking or savings account the next business day (if approved by 6PM EST) by ACH. You can also call two hours after faxing us your documents to check the status of your application on our fully automated system.

HOW MUCH IS THE FINANCE CHARGE?
The Annual Percentage Rate (APR) on a typical 14 day loan is 782.14%, which is $30.00 per every $100.00 borrowed. Additional fees will apply if your loan is renewed.

WHEN DO I HAVE TO PAY THIS BACK?
In most cases, you will ONLY have to pay the finance charge on your next pay date. If your payday comes sooner than 7 days, it will be the following payday. A normal loan duration is no less than 7, and no more than 17 days. You may also choose the option to pay off your loan in full or partially. If you choose one of those options, you must notify us at least three business days prior to the due date on your loan.

HOW MANY TIMES CAN I RENEW?
You can renew the full loan amount up to 4 times. This option will be done automatically for you on your next four paydays unless we hear from you 3 business days prior to each due date. Additional fees will apply if you choose this renewal option. You must start paying down at least $50.00 ($100 on balances over $500) on your loan principal every time you renew after your fourth renewal until your loan is paid off.

WHAT ARE MY PAYMENT OPTIONS?
You decide what payment you want to make based upon the three examples below.

OPTION 1-AUTOMATIC RENEWAL
Your minimum payment on your first FOUR due dates is your finance fee. This payment is AUTOMATICALLY debited on your due date unless you request to pay more than this amount. Beginning on your FIFTH due date, you will be required to pay a minimum of $50.00 toward your principal balance ($100.00 on loans greater than $500.00) on every due date until your loan is paid in full. Finance fees paid will not be applied to your principal balance. *IMPORTANT: A NEW FINANCE FEE WILL BE ASSESSED (based on your remaining principal balance) WHEN YOU SELECT THIS PAYMENT OPTION*

OPTION 2: PAYDOWN (PARTIAL PAYMENT TOWARD YOUR PRINCIPAL BALANCE)
THIS PAYMENT SELECTION MUST BE MADE AT LEAST 3 FULL BUSINESS DAYS BEFORE YOUR DUE DATE. You can make a payment toward the principal balance of your loan on ANY of your due dates. You can pay any amount in $50.00 increments ($50.00, $100.00, $150.00, etc.) toward your principal balance. Whichever amount you choose to pay will be IN ADDITION to your finance charge. This selection can be made by either calling our automated system at (866) 273-0386, logging in to your account at this website, or by faxing your Account Summary to us with your selection marked. Finance fees paid will not be applied to your principal balance. *IMPORTANT: A NEW FINANCE FEE WILL BE ASSESSED (based on your remaining principal balance) WHEN YOU SELECT THIS PAYMENT OPTION*

OPTION 3: PAY YOUR LOAN OFF
THIS PAYMENT SELECTION MUST BE MADE AT LEAST THREE FULL BUSINESS DAYS BEFORE YOUR DUE DATE. You may pay your loan off on any due date. Your payoff amount will consist of your principal balance and finance charge. This selection can be made by either calling our automated system at (866) 273-0386, logging in to your account at this website, or by faxing your Account Summary to us with your selection marked.

DO I HAVE TO PAY DOWN ON MY PRINCIPAL AMOUNT?
You do not have to pay down right away. Only after renewing the full amount 4 times, must you start paying down. If you choose to start paying down right away, you must notify us a minimum of three business days prior to your due date.

CAN I GET ANOTHER LOAN AFTER PAYING OFF MY CURRENT ONE?
Yes. You can apply for another loan 3 business days after paying off your current loan in full. This information is based on typical circumstances, and is subject to change.

IS IT REALLY FAX FREE APPROVAL?
YES. You do NOT have to fax your documents unless we can not verify your information by phone.

WHAT IF I CHANGE MY MIND AND NO LONGER WANT THE MONEY?
In that case, you need to fill out and sign the cancellation section on the Application Supplement page within 24 hours and fax it to us. If the money has already been sent to your account within the 24 hours, we will debit your checking account for the principal amount.