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FAQ (Frequently Asked Questions)

For customer service issues or any other questions, please contact our customer service departments at: (888) 732-6603.

What are the requirements for approval?

No documents are mandatory for approval, however the requirements for your loan may vary. Typically you will be requested to provide documentation regarding:

  1. Checking or Savings account with Direct Deposit
  2. Current job for at least 3 months
  3. Valid state ID or driver’s license
  4. Net income of $250 a week

What are the loan Fees?

You will be provided with the loans fees, the interest rate or APR (annual percentage rate), and the terms of your loan once your application has been approved. Go to the Fees Page for an example of the interest rate and fees in Texas.

Why installment loans may be better and more flexible?

You can make regular payments for a period of time, or you can payoff at any time without a penalty. Also, you are charged fees and interest only for the amount of time until you payoff your loan. Once you payoff, you will not pay any future installment payment.

What if you have poor credit?

No problem! Unlike many other financial institutions or credit unions, we do not require that you have good credit or, for that matter, any set credit history at all. If you have any questions about qualifying, please contact us.

How soon can you receive your loan?

We can approve your loan application in a matter of minutes after you send us the applicable documents, if required. We can deposit funds into your account, which are normally available to you by the next business day, as long as you are approved by 5pm CST.

What documents do we require you to provide?

  1. Generally, no documents are required; although requirements may vary
  2. 2 most recent pay stubs
  3. Most recent checking account statement
  4. Verification of current address (i.e. copy of utility or phone bill)
  5. Valid driver’s license or state identification

When will you hear from us?

You will be contacted by either email or phone, typically within 1 hour of applying, about the status of your loan during normal business hours, Monday-Friday (10am-6pm CST). For applications submitted after normal business hours, we will contact you the next business day.

How do you receive the loan, and how do you repay the loan?

When you apply for a loan, you may authorize us to directly deposit the approved amount to your account. You may also authorize us to directly withdraw from your account your scheduled payments. You can make payments using a debit card, money order or other lender approved method.

What amount of money will be withdrawn from your account?

We follow the NACHA rules and regulations that regulate the electronic payment industry. If you authorized electronic payments, the amount we withdraw from your account will be the amount set forth on your payment schedule.

What is an A.P.R.?

Annual Percentage Rate or APR is defined as the cost of credit that customers pay, expressed as an annual percentage. According to the federal Truth in Lending Act, every consumer loan agreement must disclose the APR in large bold type. The annual percentage rate is the finance charge the borrower actually pays, including loan interest, points, and origination fees.

How is your loan amount determined?

State law may regulate the maximum advance amount available to our customers. Although there are other factors, you qualify for a particular cash advance amount based on your current net income.

Is your personal information confidential and secure?

Yes! We transact all our loans on our secure SSL server, utilizing the industry’s highest standards. Your nonpublic information is completely confidential and protected by our company’s privacy policy.

How is your due date determined?

Your due date will be set forth on your Agreement and may be determined based on your payroll date.

What happens if you don't have enough funds to make a schedule payment?

You must contact us immediately! You will be responsible for any NSF fees and late fees from debits that are returned. We encourage you to pay some money towards reducing your principal balance. If you do pay extra towards your principal, you will reduce the amount of interest and fees you would otherwise pay.

Can you extend your loan?

Yes! You can payoff your loan at any time. We do not charge any pre-payment penalties. You can contact us to let us know that you want us to debit your account earlier than your due date. You may be entitled to a refund or discount of the fees, depending on the date of your payment. If you do decide to payoff early, the amount of money you pay in interest will be adjusted so you are only charged for the days your loan is outstanding.

Can you pay your loan back early?

All Friday loan requests after 5pm will be funded on Monday. All weekend requests will be treated as Monday requests.

What about loan requests on Friday or the weekends?

All Friday loan requests after 5pm CST will be funded on Monday or the next business day after your loan is approved. All weekend requests will be treated as Monday requests.

Who can contact if you have a complaint?

Please contact us at 954-368-0373, and we will make every effort to resolve your concerns. If a problem cannot be resolved by contacting us, and the nature of the complaint is something other than a high rate of interest and/or fees, lack of funds, or ability pay the loan, you may contact the Online Lenders Alliance National Consumer hotline at 866-299-7585. The Online Lenders Alliance’s Consumer Hotline is dedicated to answering questions, providing useful information, and resolving disputes. If the issue still has not been resolved by the lender or OLA’s hotline. If you would like more information, please contact the Office of Consumer Credit Commissioner of Texas, 2601 N Lamar Blvd, Austin TX 78705 (800) 538-1579,

In which state are we authorized to provide loans?

Texas. Although through a network of other lenders, you may be referred to another lender in another state if you are not a resident of Texas.

Do you provide loans to military personnel?

Not at this time.

OLA Affiliation. We are members of the Online Lenders Alliance.
Please contact the OLA Consumer Hotline 866-299-7585 for any questions or concerns.

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