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 the local area and, have verifiable income.
What are your days and hours of operation?
We are open Monday through Friday from 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. Or you can 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?
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 give us a call and a representative will be happy to discuss your account with you.
What options do I have when my loan is due?
You can come into the office to pay cash or we can take the money directly from your bank account for your convenience.
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 that they can’t solve for you, please give our home office a call at (702) 255-6140.