Pay Day Loans
What is a payday loan?
A payday loan is a short term loan usually up to $1000. As a first-time applicant you can choose $200, or $300 to borrow. After the repayment of your first loan, you can qualify up to $400. Upon the repaymentof your $400 loan, you are then eligible for a $500 advance. Ultimately, after completing your $500 loan, you can qualify in increments of $100.00 at a time up to $1000!
What do I need to get a payday loan?
To qualify for a payday loan you must be employed for six months or more, have an active checking account with direct deposit, earn a monthly income of at least $1000, and be a U.S. citizen at least 18 years of age.
How long will the approval take?
Once you fill out the application it should take about 15 minutes to be contacted by a loan processor.
How will I receive the cash?
Your money will be deposited directly into your bank account within 24 Hours
What is the maximum amount I can borrow?
The maximum amount of a loan is $500.
How much does a payday loan cost?
The fee for advancing a payday loan is $25 per every $100 borrowed. For example, if you borrowed $300 the fees would total $75.
Do I need collateral to get a payday loan?
No. As long as you are employed and have a checking account you qualify for a loan.
How will I know if I've been approved?
A processor will contact you, by phone.
Can I still get a payday loan even if I've declared bankruptcy, have slow payments or bad credit?
Yes you can. There are no credit checks.
When do I have to pay the loan back?
Your payment is due 14 days after approval (unless other arrangements are made).
Could I pay off my loan early?
Yes. There are no penalties for paying your loan off early
How long will it take to receive another advance once the loan is paid off?
After 72 hours you will be able to receive another loan.
Do I need a fax machine?
Yes, once you have filled out the application you will be contacted and told to send your last bank statement, last 2 pay stubs, home phone bill, copy of your driver's license and a voided check.
Will I have to resubmit my application if I am already a customer?
No, if you have received a loan within the last 90 days.
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