You need income, a checking account, an email address, a phone number, and direct deposit of your income into your checking account. You will also need to be 18 years old.
Pay from part-time or full-time employment, child support, Social Security, and pension are all eligible. There are other rare types of income that are also allowed. To be accepted, your income must be predictable and reasonably expected to continue through the loan maturity date.
New customers are eligible for loans from $100 to $500. Returning customers can borrow up to $800. Once you fill in the information requested to complete your application online, your maximum loan amount will be presented to you. You can borrow anywhere between $100 and your personal maximum in $50 increments.
If you are new to us, we probably purchased your loan application from a 3rd party. You were then re-directed to our website so you could provide us with some additional information and sign your loan agreement.
If you are a first time borrower, you are required to speak to a Loan Representative before you receive your loan, so we can verify your identity, verify your income, gather some additional information, and make sure you understand the terms of your loan.
Returning customers can call our VIP line and have their loan setup within a few minutes.
We will use a 3rd party service(s) to check your credit history within the short-term loan industry. We do not run a credit check at the credit bureaus and our inquiry(s) will not affect your FICO credit score.
Your loan funds can be available in your bank account by the next business day, as long as you speak to a Loan Representative to close your loan by 3:50PM Eastern and choose to receive your loan funds by electronic funds transfer. Keep in mind that funds from loans processed on Friday will not be available until Monday morning.
You can receive your loan funds by an electronic funds transfer (ACH) or in paper check form. All loans are funded in American dollars, in case you were wondering. Electronic funds transfers are typically available by the next business day. Paper checks will take 7 to 10 business days to arrive due to processing and transit.
You can repay your loan by electronic funds transfers (ACH) or paper check. You must notify us that you would like to pay by paper check in writing at least 3 days before your payment is due to prevent us from attempting a withdrawal. Otherwise, your payments will be withdrawn automatically on the due dates indicated in the payment schedule included in your loan agreement.
Your loan payments are due on your paydays. Your complete payment schedule is included in your loan agreement.
You can make additional principal payments or pay your loan in full at any time, without incurring any prepayment charges or penalties. We strongly encourage you to pay your loan off as quickly as possible.
You have until the end of the business day after you receive your loan funds to rescind your loan with no cost to you.
Give our Customer Service Department a call. We will work with you to keep your account in good standing.
Give our Customer Service Department a call. We will need to verify that your new account belongs to you and get your new info in writing. As long as you contact us 3 days before your next due date, we should be able to get your next payment switched over with time to spare.
Absolutely. Contact our Customer Service Department to request a payment in full. Make the request at least 2 days before your due date to ensure that we have enough time to adjust your payment amount.
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Yes, all calls are recorded unless you are providing card information. This is to ensure that our call center agents are following company policies and procedures.
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