Q: What is a payday loan?
A: A payday loan or a payday advance is a quick and confidential way to get a cash advance until your next paycheck.
Q: What can I use a loan for?
A: Your funds can be use for anything you like, such as car bills, phone bills, etc.
Q: What are the requirements for approval?
A: To be eligible for our loans, you must have:
    Your current job or benefits for at least 3 months.
    A valid checking or savings account for at least 3 months.
    Monthly net income minimum of $2000.

Q: How much will this cost?
A: The Annual Percentage Rate (A.P.R.) for our loans ranges from 608.333% for a seven (7) to thirty  (30) day loan and from 1564.286% to 1825.000% for a one (1) to six (6) day loan. Please refer to the table below to find your A.P.R Please refer to our Fee Schedule for more information.
Q: What if I have poor credit?
A: No problem! Unlike many other financial institutions, we do not require that you have good credit or, for that matter, any credit history at all. If you have any questions about qualifying for a payday loan, please contact us.
Q: How soon can I receive my cash advance?
A: We can approve your loan application instantly once you have completed our online application. If you request your loan before 8:00 PM (EST), we can deposit funds into your account by the very next business day.

Q: What documents do you require for me to fax in?
A: Nothing! Unlike other lenders, We are utilizing proprietary underwriting to approve your loan without any faxing! Our 24/7 online application is completely paperless and faxless. You will get an instant answer whether you have been approved!

Q: When will I hear from you?
A: After you have been approved by our online application, we will contact you by either email or phone within one hour about the status of your loan during normal business hours, Monday to Friday, 8:00AM to 9:00 PM (EST). For applications submitted after-hours, we will contact you first thing the next business morning.
Q: How do I receive the cash, and how to I repay the loan?
A: When you apply for a payday 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.

Q: How do I know that the amount you withdraw from my account is the amount you say?
A: Since we are authorized to use the Federal Reserve Wire System, we must abide by the NACHA rules and regulations. As a Lender, we are subjected to federal and state 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 are the fee amounts established?
A: In the interest of consumer protection, the fee we charge is never higher than the law allows. It is our goal to offer you the best service possible.

Q: What is the A.P.R.?
A: The A.P.R is the cost of credit expressed as an a yearly rate. It was established by the Federal Government as the standard rate for consumers to able to compare the cost of credit. Please refer to our A.P.R. Terms of service for more information, so you make an informed financial decision.
Q: How do you determine the amount of money to advance me?
A: The amount we can lend to you is calculated from upon your current income. We may increase your advance limit once you have satisfactorily paid off your loan in a timely manner.

Q: Is my payday loan secure and confidential?
A: Absolutely! Unlike many other payday loan sites, we are NOT a marketing company.We do not collect your information to sell to the highest bidder. We are your Direct Lender for payday loans!Your sensitive information is safe and secure with us. Finally, we transact all our loans on our secure SSL server,utilizing the industry highest standard.

Q: How do I determine my due date?
A: All loans are due on your next pay date, unless your next pay date is less than 7 days away. In this case, your loan will be due on the following pay date. The maximum term for our loans is 30 days.
Q: What happens if I don't have the funds necessary to repay you on my due date?
A: You must contact us immediately! If you contact us two business days prior to the due date, we can make arrangements for an extension. If do not contact us two business days before your due date, we may charge you extra fees on top of what you owe us. Please note all returned checks or debits will be charged a NSF fee of $20.00.

Q: What are my payment options?
A: If we don't hear from you, we will debit your loan in full automatically on its due date.  However, if you cannot pay in full, you can request for an extension by emailing us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and if the request is granted, the extension may be obtained by paying at least enough to cover interest earned up to that point (usually the finance charge previously disclosed).  Finally, in your interest, your loan may not be rolled over beyond ten (10) weeks after the day on which the deferred deposit loan is executed.

Q: Can I pay my loan back earlier than the due date (prepayment)?
A: Yes, you can payoff the loan earlier that your due date. This is called a Prepayment: If you payoff this loan early, you will not have to pay a prepayment penalty, and you may be entitled to a refund of part of the finance charge.

Q: Can I make partial payment?
A: You may make partial payments at anytime prior to maturity in increments of at least $5 on the principal balance without incurring additional charges.
Q: What if I change my mind about the loan - rescission of payday loan?
A: You can rescind the loan without cost or further obligation to us, if you return the loan amount provided on or before 5:00 PM the next business day following the Loan Funding date. For example, if you complete a payday loan at 4:00 PM on Thursday, you have until 5:00 PM on Friday to rescind the agreement.
Q: What about loan requests on Fridays or the weekends?
A: All Friday loan requests before 8:00 PM (EST) will be funded on Monday. All weekend requests will be treated as Monday's requests.
Q: In which states are you authorized to provide payday loans?
A: Agreements may differ from the laws of the state where you reside. If you do not want to enter into a loan agreement subject to Utah law, you should apply for this loan at a lender located in the state where you live.

Q: How do I qualify for a $1000 payday loan?
A: On your first loan with us, you can borrow up to $500. Once you are approved and in good standing, we can increase your loan amount by $100 for every subsequent loan up to $1000 maximum.

Q: Do you provide loans for military personels?
A: No, we do not provide loans to military personnel.

Q: Who do I call with a complaint?
A: For QUESTIONS or COMPLAINTS regarding PAYDAY LOANS, you may call our customer service at (800) 355-6382.

Utah citizens who have regulatory concerns may contact: THE UTAH STATE DEPARTMENT OF FINANCIAL INSTITUTIONS at: 801 538-8830. Residents of other states should contact their state banking department.

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