FAQ

What is a Payday or Cash Advance Loan?
It is a quick-fix loan that can give you some immediate cash to get you through until payday. The amount of cash advance loans usually ranges from $300 to $2000.

How Can I be approved for a Cash Advance Loan?
It is very simple to qualify for a cash advance loan. Most lenders will approve you for a loan if you:
1. Have held your current job for at least 3 months
2. Are a citizen or permanent resident of the United States
3. Are at least 18 years of age
4. Make at least $1000 per month after taxes
5. Have a valid e-mail address and a legitimate home and work phone number

How much money can I get?
You can normally receive an amount between $100 and $1500, but some lenders will even go a little higher. Your lender will base the amount on your application.

How do I receive the cash?
Lenders will automatically deposit the money into your checking account when you are approved.

What if I have bad credit or have filed for bankruptcy?
One of the best things about a cash advance is that no credit check is required. Therefore, your credit score does not matter, as you can get a loan with bad credit.

How long does the process take?
You can apply for a cash advance in under 10 minutes, and the money will be deposited into your account within 24 hours.

Am I required to have a fax machine or printer?
You do need a printer to retrieve the loan paperwork. You might also need access to a fax machine to fax copies of your last pay stub or bank statement.

What are the fees?
The fees will be determined by the amount of the loan. At the time you apply for a loan, the lender will go over all of the fees. Keep in mind that cash advances are loans intended to offer you emergency funds; therefore, they are normally cheaper than late charges.

Can I qualify if I already am making payments on a cash advance loan?
Yes. You can still be approved for a payday loan if you have another outstanding loan. Make sure that you are honest about your other loan; therefore, put it on the application.

How and when is the loan repaid?
Lenders will automatically take out the funds to pay the loan from your checking account on the designated due date. This makes it very convenient for you, as you do not need to remember to send a payment in.

What if I am having problems paying the loan on the due date?
It is very simple to ask for an extension on your loan. All you will need to do is contact your lender to ask for additional time. You need to make sure that you call your lender before the due date, so they will have time to apply the extension. There are no extra fees for an extension.

How is my personal information protected?
When getting a cash advance loan, the latest security protection is used. Each personal piece of information that you give the lender is safely and securely encrypted to make sure that you have total confidentiality and security. More information can be found by viewing our legal page and reading through our Privacy Policy.

How does the return customer attribute operate?
We desire that our valued customers receive the best possible attention, so you do not have to do anything. On the right side of the home page is a place where returning customers can login. You should have a Customer ID and a Password from the first time that you received a loan. The application that you want to receive is already done for you, with all of your information filled in. You need to look over your information to make sure that it is up-to-date and submit the application. It is quick, convenient and simple to do. It is wise to store your Customer ID and Password in a secure location so that you can easily access it when you need a cash advance.

How soon can I apply for an additional loan?
You can apply for another loan within 72 hours, and you can apply as many times as you wish without paying an application fee. You need to state on your application if you have already been approved for a loan.

If I cannot remember my Customer ID and Password, how do I get it?
You just simply look for the words, Forgot Password on the home page in the Return Customer Quickstart box. After you click it, you will be asked to enter your e-mail address, and your Customer ID and Password will be immediately sent to you. If you are not in the system, then you will be required to fill out a New Customer Application form, and a new Customer ID and Password will be e-mailed to you.

Can I use my Customer ID and Password to check the status of my loan?
You cannot check your loan status using your ID and Password. Your lender can tell you of the status of your loan. Instructions will be available in the e-mail you received when you submitted your application. Because of legal regulations, your loan information cannot be given to us.

How to a get an extension or refinance a current loan?
After you apply for a loan, the contact information for your lender will be e-mailed to you. Therefore, you should just contact your lender. Your lender can answer questions that you have about any aspect of your loan. You need to contact your lender about any changes before your due date.

How do I alter or update my personal information?
You can log in on the home page under Return Customer, and your personal information will be on the form. You can just update any information that is incorrect.