Frequently Asked Questions

I have questions about my existing loan, where do I go?
The operator of this website is not a lender, does not broker loans to lenders, and does not make cash advances or credit decisions. Furthermore, the operator of this site is not an agent, representative, or broker of any lender. For details, questions or concerns regarding your cash advance, please contact your lender directly. Lender information should be available in the approval e-mail you received when applying for the loan, your bank statement or by contacting your primary financial institution directly.
 

What is a cash advance?
A cash advance provides you with emergency cash when you need it most ... usually between paydays! Simply complete this fast two-minute online form; there are normally no documents to fax. Just complete your request, speak to an agent of a participating lender, and your cash could be on the way, usually the next business day!

 

Can I qualify?
Qualifying is easy and you don't need to worry about your credit. Most lenders qualify you if you:

  • Currently have a job (or receive regular income)
  • Make at least $800 per month
  • Are 18 years of age or older and a U.S. citizen
  • Have a checking account
  • Other requirements may apply
 

Even bankruptcy, bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need!

 

How much can I qualify for?
How much you qualify for depends on a number of factors including your lender, income and employment. To see how much you can qualify for, simply complete this fast two minute online form, speak with an agent of a participating lender, and your cash is on the way, usually the next business day!

And don't worry, any credit type can qualify, even bankruptcy, charge-offs and bounced checks!

 

What does it cost?
The cost of your cash advance loan is dependent on many factors, such as the lender and how you manage your financial obligations. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs that you may experience. Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work! Actual fees are determined based on the information you provide when you submit your loan request.

Your cash can often be sent to your bank account the very next business day and you don't repay until your next paycheck.

 

When do I get my money?
Once you have applied online, your information will be submitted to a lender that will attempt to contact you to verify your information and explain the terms to you. Once you have spoken with your lender, your cash can be in your bank account as early as the next business day!

And don't worry... any credit type can qualify, even bankruptcy, charge-offs and bounced checks!

 

When do I repay?
Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it!

Still a little short on payday? No problem! Generally online customers are automatically renewed every pay period. Just let your lender know when you are ready to pay in full, and your loan plus fees will be deducted from your bank account by the lender.

 

I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?
Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you.

  • Your lender can fax them to any fax number you request
  • Your lender can email them to any email address you request
  • Your lender can fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up
 

To make these special arrangements, please contact your lender and the lender's helpful representatives should contact you shortly thereafter.

 

How do I reprint my loan documents?
You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact your lender to have them email your documents to an email address you request for later printing or printing at another location.

 

I'm a little low on funds. Can I get an extension?
Lenders will generally provide extensions. Please contact your lender for details.

 

 

 

 

 

 

This service is not available in New York or to New York borrowers due to interest rate limits under New York law.

 

 

Material disclosure
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. These disclosures are provided to you for information purposes only and should not be considered legal advice.


Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in the network are designed to provide cash to you to be repaid within an amount of time indicated before electronically signing for the loan. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

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