FAQ

Frequently Asked Questions

DO YOU MAKE ‘PAYDAY’ LOANS?

NO, OURS ARE BETTER! PAYDAY LOANS ARE USUALLY TWO WEEK TERMS. YOU HAVE LONGER TO PAY BACK ON OUR LOANS!

 

 

What do I need to qualify?

LIVE IN LOCAL AREA, HAVE VERIFIABLE INCOME, AND A CHECKING ACCOUNT WITH CHECKS.

 

What are your days and hours of operation?

WE ARE OPEN MONDAY THROUGH FRIDAY 9-6 AND SATURDAYS FROM 9-12. WE ARE CLOSED ON SUNDAY.

 

Do you check my credit rating?

WE DO NOT PULL CREDIT ON POSTDATED CHECK LOANS!

 

What if I have filed bankruptcy in the past, can I still qualify?

NO PROBLEM, AS LONG AS YOUR BANKRUPTCY HAS BEEN DISCHARGED.

How can I apply?

CALL US! WE CAN DO YOUR APPLICATION OVER THE PHONE. YOU CAN ALSO APPLY ONLINE AND WE WILL CONTACT YOU THE SAME DAY IF YOU ARE APPLYING DURING REGULAR BUSINESS HOURS. IF YOU APPLY ONLINE AFTER 6:00 PM, WE WILL CONTACT YOU USUALLY BY 10:00 AM THE NEXT BUSINESS DAY.

 

How long does it take to get an approval?

IT NORMALLY TAKES 30 MINUTES OR LESS FROM APPLICATION TO PRE-APPROVAL.

 

How much can I borrow?

EACH CUSTOMER’S SITUATION IS DIFFERENT AND THE ONLY WAY FOR US TO DETERMINE WHAT IS RIGHT FOR YOU IS TO PROCESS THE APPLICATION COMPLETELY. WE WILL DO OUR BEST TO TRY TO GET YOU THE AMOUNT OF MONEY THAT YOU REQUEST.

 

Do I need direct deposit to qualify for a loan?

NO, UNLESS YOU ARE ON A FIXED INCOME. IF YOU ARE ON A FIXED INCOME WE DO REQUIRE IT TO BE DIRECTLY DEPOSITED INTO YOUR CHECKING ACCOUNT.

 

Does my credit line ever increase?

YES! WE RE-EVALUATE YOUR ACCOUNT EACH TIME YOU BRING NEW INFORMATION IN TO US AND MAY PERIODICALLY RAISE YOUR LOAN LIMIT UP TO THE AMOUNT ALLOWED BY STATE AND FEDERAL REGULATIONS.

If I need to borrow additional funds before my loan is due, can I get another loan?

UNFORTUNATELY, STATE LAWS REQUIRE US TO LIMIT A CUSTOMER TO ONE LOAN AT A TIME PER LOCATION, BUT YOU MAY HAVE AVAILABLE CREDIT ON YOUR ACCOUNT. YOU CAN CALL THE LOCATION WHERE YOU HAVE THE ACCOUNT AND A REPRESENTATIVE WILL BE HAPPY TO DISCUSS WITH YOU.

 

What options do I have when my loan is due?

YOU CAN PICK YOUR CHECK UP, PAY IT IN FULL, OR EXTEND IT OUT FOR ANOTHER 30 DAYS. YOU CAN ALSO HAVE US DEPOSIT YOUR CHECK INTO YOUR CHECKING ACCOUNT. YOU CAN ALSO PAY MORE THAN THE INTEREST FEE TO EXTEND YOUR LOAN AND REDUCE THE AMOUNT OF YOUR PRINCIPAL. IF YOU CHOOSE TO PAY EXTRA YOU WILL NEED TO BRING IN NEW CHECKS WITH YOU AS THE AMOUNT OF YOUR CHECKS WILL GO DOWN!

 

Are your services confidential?

WE RESPECT THE PRIVACY OF OUR CUSTOMERS AND WE KEEP ALL OF YOUR INFORMATION COMPLETELY CONFIDENTIAL!

 

Who can I contact if I have a suggestion, comment or complaint?

OUR EMPLOYEES STRIVE TO GIVE THE BEST SERVICE THEY CAN, BUT IN THE EVENT YOU HAVE A PROBLEM THEY CAN’T SOLVE FOR YOU, WE HAVE A TOLL-FREE NUMBER POSTED IN EACH LOCATION THAT YOU CAN CALL TO HELP GET ANY ISSUE RESOLVED!

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