| Q: |
How does a payday loan or paycheck advance work ? |
| A: |
A payday loan, cash advance or check advance should only be used as a short term loan when unexpected financial situations occur requiring the need for cash. It should be used to help out until your next paycheck. Upon receiving your application our staff proceed to verify the data to determine if we can help you with your request. |
| Q: |
How much can I borrow ? |
| A: |
Up to $ 500 for first time borrowers. |
| Q: |
What if my credit rating isn't so great or I don't have one established ? |
| A: |
We are not a bank and do not perform a standard credit check. You need to meet some minimum requirements which are very straight forward and easy to understand. |
| Q: |
 What are the requirements for getting approval for a payday loan or cash advance with your company ? |
| A: |
They are very straight forward. Please review requirements. |
| Q: |
What if I have filed for Bankruptcy ? |
| A: |
We have no problem providing service for discharged bankruptcies. |
| Q: |
How long does the process take and if I am approved, how soon will I get the funds ? |
| A: |
If you complete the required steps we can usually approve your loan the same day and wire the funds into your account for the next day. |
| Q: |
What if I don't have all the necessary documents required ? |
| A: |
In order to process your loan application we must have all the requested documents faxed into our office. Without this information we will not be able to process your loan application. |
| Q: |
How will I find out if I have been approved ? |
| A: |
We will contact you directly by phone or by email. We will inform you if you have been approved or denied. You can contact our office directly or check your payday loan application status directly online via our website. |
| Q: |
If I am approved how do I actually get the funds ? |
| A: |
Funds are sent directly into your checking account by electronic funds transfer (EFT). |
| Q: |
What are the fees charged for borrowing from your company ? |
| A: |
We charge $ 25 per $ 100 borrowed. You can view both our rates and APR information... |
| Q: |
What if I pay the payday loan or cash advance off early ? |
| A: |
Early payment does not have a penalty. You will still be responsible for the applicable fee as there is no early payment discount. |
| Q: |
How will I know when my loan is due ? |
| A: |
A representative from key-phrases will contact you in advance to remind you of your due date. |
| Q: |
What if I cannot pay off my loan on the due date and need an extension ? |
| A: |
All you need to do is contact our office and ask for an extension. Note that there will be a fee for this extension. |
| Q: |
Will anyone find out that I am applying for this loan ? |
| A: |
We make every effort to keep your application for a cash advance or payday loan with our company confidential. We are sensitive to your privacy and wish to maintain this as best as possible. |
| Q: |
Is the information I provide safe ? |
| A: |
We use up to date encryption technology making it almost impossible to be viewed by any outside party. |
