Frequently Asked Questions
1. How much money can I borrow?You can borrow an amount no greater than your take home pay during an average pay period - or $500.
2. Why can't I borrow more than my take home pay?We don't encourage our applicants to request more than they take home in any given pay period because it makes it more difficult to pay back the amount borrowed. We enjoy lending consumers in need the money to make whatever payment has suddenly appeared - but we do not approve applicants for more than is affordable or realistic for them to pay back. This ensures that everyone walks away from the relationship happy.
3. How much are your fees?Our fees are competitively priced from $15 to $30 per $100 borrowed.
4. If I can't make the payment on time, can I get an extension?Yes. You can get an extension. You won't have to pay the principal. When you request an extension, you will only have to pay the $15 - $30 fee.
5. Do I need a checking account to take out a cash advance?We can get you the cash you need with either a checking account or a savings account. We are happy to offer the most flexible financial solutions.
6. Do I have to fax over any documents?Not anymore. We are happy to extend the extra courtesy to you of providing the faxless payday advance. As long as you fill out all the required fields of the form, providing us with all the information we need to process your request, no paperwork is necessary.
7. Why do I have to give you my social security number?We request your social security number in order to expedite your request for a cash advance. Let us reassure you, we use only the most advanced encryption technology - which is great for you, but unfortunate for any third parties that attempt to access your data. All they would ever get if they could hack into our 128 bit Secure Socket Layer (SSL) stone wall is jumbled-up symbols!
8. So, I'm safe when I provide personal information within your form?YES! Our server is like Fort Knox. We take your security very seriously and our tech people pay close attention to upgrades in the security industry so that we can stay on top of it. We are ahead of the game, when it comes to security.
9. Does my checking or savings account have to have direct deposit?Yes. You have to have the direct deposit feature on your checking or savings account so that we can get you the cash you need - instantly! This way, we can electronically transfer the funds right into your account - so they are there when you need them.
10. What information will you need in order to process my request?We will need the following information to get you your cash ASAP:
- ABA or Bank Routing number
- Checking or Savings Account Number
- Social Security Number
You can certainly submit your application and we can process it. However, over the weekend, your bank will be closed, hence, financial transactions will halt until Monday, when your bank opens for business again. In fact, there is no payday lender in the world that can transfer money to you over the weekend.
12. If I need to contact someone at your office, how can I do this?Simple. We are here around the clock to answer any questions you may have. Just fill out your contact information at our Contact Us page, and one of our expert payday consultants will be more than happy to answer any or all of your questions.
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