How IT Works

How does a cash advance, or payday loan, work?

Once approved, your payday loan is electronically deposited into your checking account the next business day. When you come due, you can either pay the full amount of your online cash advance loan, or any amount equal to or greater than your minimum payment. All payments are made online and are automatically withdrawn from your account on your due date. There is no need for you to ever leave the privacy of your home or office.

How much can I borrow for an online payday loan?

You can get $100, $200, $300, or $400 for your first online cash advance with higher amounts available for returning customers. (As long as you qualify for a higher payday loan at that time.)

How much does it cost for an online cash advance?

The fee for a check advance is 25% of the amount borrowed, so for a $100 loan, the fee is $25, or $125 total due.

Remember, your first loan with us is carefree as long as it is paid in full on your due date.

How does the carefree payday loan work?

Every new customer is eligible for a carefree payday loan or cash advance. The loan is carefree as long as you pay the full balance due (the amount that you borrowed) on your due date as well as the 25% loan fee.

How long does it take for me to get the money?

If your online cash advance application is approved, it will only take one business day for the money to be directly deposited into your checking account. Most of our payday loans are approved within 24 hours. If you apply prior to the 2:00 PM EST processing deadline, funds could be available to you tomorrow! Please remember, we do not operate on the weekends or national holidays.

What are your business hours?

Our hours of operation are Monday through Friday, 9:00 AM EST to 5:00 PM EST. We are not open on Federal holidays. However, you may apply online for a payday loan or cash advance at anytime during the day.

What do I need to get a personal loan?

All you need is a checking account open for at least one month with no bounced checks, a steady job making at least $1,000 a month, and not more than one other payday loan or cash advance with any other lender.

How long is the loan for?

This is an online cash advance therefore your due date is based on your next payday (up to 16 days away). If you get paid twice a month, you will be due on your very next payday. If that date is less than 5 days away, we will use your next payday up to 16 days total.

How long should I have the loan for?

These are short term loans designed to help you with an urgent situation. All payday loans, cash advances, and check advances should be paid back rapidly, and not used for an extended amount of time.