What is a Installment Loan?
What can I use a loan for?
What are the requirements for approval?
How much will this cost?
What if I have poor credit?
How soon can I receive my cash advance?
What documents do you require me to fax in?
When will I hear from you?
How do I receive the cash, and how do I repay the loan?
How do I know that the amount you withdraw from my account is the
amount you say?
How do you determine the amount of money to advance me?
How do I determine my due date?
Can I get an extension on my Installment Loan?
Can I pay my loan back early?
Q: What is a Installment Loan?
A: A Installment Loan, or payday advance, is an easy way to get a cash
advance until your next paycheck.
Q: What can I use a loan for?
A: You can use the loan for car bills, phone bills, or whatever you
want.
Q: What are the requirements for approval?
A: You will need to have a valid checking account for at least 3
months, your current job for at least 3 months, and direct deposit.
Q: How much will this cost?
A: Our fee is $30.00 for every $100.00 borrowed.
Q: What if I have poor credit?
A: No problem. We don't require that you have any credit history.
Q: How soon can I receive my cash advance?
A:We can approve your application just minutes after you have faxed
us copies of all required documents If your loan application is filed and
completed before 9:00 am (PST), we can deposit funds into your account that
business day or the next. The exact timing depends on your bank.
Q: What documents do you require me to fax in?
A:Currently we do not require any faxing if you have access to a
computer. In some instances, it may be necessary to fax us your personal voided
check or your most recent bank statement.
Q: When will I hear from you?
A:After completed the online application, we will contact you by
phone within one hour about the status of your loan. You can also call us
immediately after completing your application at 1-877-991-2288.
Q: How do I receive the cash, and how do I repay the loan?
A:When you apply for a loan, you authorize us to directly deposit
the approved amount into your account. You also authorize us to directly
withdraw from your account on your next payday for the same amount advanced
plus our fee. Normally, if we do not hear from you 3 days before your loan is
due, we will automatically renew your loan and the new due date is your next
payday.
Q: How do I know that the amount you withdraw from my account is
the amount you say?
A:As a Lender, we are subjected to laws and regulations that
regulate our lending practices. The amount we withdraw from your account will
be the amount that you have authorized.
Q: How do you determine the amount of money to advance me?
A: The maximum amount that we will advance is 1/3 of your biweekly
net (take home) wages.
Q: How do I determine my due date?
A: All loans are due on your next payday. The typical loan is for a
two week period.
Q: Can I renew my Installment Loan?
A: Yes. If you wish, you can pay an additional processing fee to
renew your loan until your next payday (18-day maximum).
Q: Can I pay my loan back early?
A: Yes. Contact us to let us know that you want us to debit your
account earlier than the due date.
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