HOW IT WORKS Table of Contents : (click on question for answer or scroll down to view all questions and answers)· How much can I get advanced until my next payday and how much does it cost? How long does it take to get the cash advance? What are the requirements for approval? How do I get the money and how do I pay? What is the Master Cash Advance Agreement? What if I have no credit history or a bad credit bureau file? Do you require collateral? Can I extend the time allowed for repayment of the cash advance plus fee? Can I request more than one cash advance at a time?

1. How much can I get advanced until my next payday and how much does it cost?

Your first time advance can be up to $500!!! Applications are accepted from all 50 US states except Colorado. In determining the approved amount of your first cash advance, we take into consideration your monthly net income (we cannot advance more than you can afford to repay), length of employment at current job, and if you currently have any payday advances (paycheck advances, pay day loans, short term loans, payday cash advances, etc) with another provider.
Upon approval, you will be contacted by phone to confirm the amount of your first cash advance and repayment date.

FEE: $25 per $100 advanced.

2. How long does it take to get the cash advance?

We understand that the purpose for a cash advance or payday loan is often an emergency. Upon approval, we transfer your cash advance that same day, to arrive at your account the next business day.All future requests that are received Monday through Thursday by 3:00 P.M. Eastern Standard Time, The cash advance will be in your account the next business day. Requests received on Friday, will arrive at your account Monday. (Banks and credit unions do not accept ACH transactions on weekends) Requests received on weekends will be processed on Monday for Tuesday arrival. All National Holidays are observed, and requests will be processed the following business day.

3. What are the requirements for approval?

1. Be employed full time (not through temp service) for a minimum of 3 months.
2. Take home a minimum of $1200 (after taxes) salary per month.
3. Have an active checking account open for a minimum of 3 months.
4. Have no more than 3 NSF's (bounced checks) in the last 30 days.
5. Have your paycheck Direct Deposited into your checking account.
6. Be at least 18 years of age & a US resident.
7. Not have an application submitted or current loan with more than one other provider.
8. Fax all required verification items (First time only) after submitting application for approval.

4. How do I receive the money and how do I pay?

Your acceptance of our Master Cash Advance Agreement terms and conditions, provides pre-authorization for us to electronically transfer cash of approved amounts, by Federally regulated EFT (Electronic Funds Transfer) also known as ACH (Automated Clearing House) into your account, and to obtain payment from your account on scheduled repayment dates.

5. What is the Master Cash Advance Agreement?

It is the Agreement with all the terms and conditions of the advance so that you, as the customer, are fully aware of all fees associated with our cash advance transactions. Included within is the Electronic Funds Transfer (EFT) Agreement authorizing us to send funds to your account and authorizing your bank to send repayment of the advance plus fee in the form of EFT/ACH. It also includes the Federal Disclosure Requirements and the Licensed Lenders Regulations as required by law. We also refer to it as “Disclosure”.

6. What if I have no credit history or a bad credit bureau file?

We do not check your credit with the major bureaus, however we do utilize TeleCheck, TeleTrack, and Scan; which are NSF and Closed Account Check reporting services.

7. Do you require collateral?

No, we do not require any collateral.

8. Can I extend the time allowed for full repayment of the cash advance amount plus fee?

You are allowed a maximum of 4 extension of payment requests. Upon receiving your extension of payment request, we will debit an extension of payment fee on your original due date, for the continued use of advance funds This will allow your next nearest pay date to occur, where the advance amount and original advance fee will be due in full.
NOTICE: All extension of payment requests must be submitted online and must be received by 11 AM (EST) the business day prior to your scheduled full repayment due date to be changed and processed. We cannot accept extension requests by email.

9. Can I request more than one advance at a time?

One advance at a time is allowed. Upon receiving bank confirmation report that your previous advance payment has cleared (normally 3 to 5 business days) you may request another advance.
Notice: having made application for check advances, pay day loans, short term loans, payday cash advances, paycheck advances, payday cash advances with more than one other provider may cause your application to be declined.