FAQ. QUESTIONS AND COMPLAINTS:
For customer service issues or any other questions, please contact our customer service departments at: (888) 732-6603
If a problem cannot be resolved by contacting us and the nature of the complaint is something other than a high rate of interest or lack of funds or ability pay the loan, Missouri residents may contact the Missouri Division of Finance at (573) 751-3242.
- What are the requirements for approval?
- What are the loan Fees?
- What if I have poor credit?
- How soon can I receive my loan?
- What documents do you require for me to fax in?
- When will I hear from you?
- How do I receive the loan, and how do I repay the loan?
- How do I know the amount you withdraw from my account is the amount you say?
- What is an A.P.R.?
- How do you determine the amount of money to loan me?
- Is my installment loan confidential and secure?
- How do you determine the due date?
- What happens if I don´t have the funds necessary to repay you on my due date?
- Can I extend my loan?
- Can I pay my loan back early?
- What about loan requests on Friday or the weekends?
- In which state are you authorized to provide me loans?
- Do you provide intallment loans or retail loans to military personnel?
What are the requirements for approval?
must have a checking account
must have current job for at least 3 months
valid state id or drivers license
net income of $250 a week
What are the loan Fees?
You will be provided with the loans fees, the APR, and the terms of your Loan once your application has been approved.
What if I have poor credit?
No problem! Unlike many other financial intuitions, we do not require that you have good credit or, for that matter, any credit history at all. If you have any questions about qualifying please contact us.
How soon can I receive my loan?
We can approve your loan application in a matter of minutes; after you send us the required documents. We can deposit funds into your account by the next business day, as long as you are approved by 5pm.
What documents do you require for me to fax in?
2 most recent pay stubs
most recent checking account statement
valid drivers license or state id
OPTIONAL - voided check from checking account and/or debit card -- if none, no problem.
When will I hear from you?
After you have faxed in these required documents, we will contact you by either email or phone within one hour about the status of your loan during normal business hours, Monday - Friday (10am - 6pm CST). For applications submitted after normal business hours, we will contact you first thing the next business day.
How do I receive the loan, and how do I repay the loan?
When you apply for a loan, you authorize us to directly deposit the approved amount to your account. You also authorize us to directly withdraw from your account the same amount plus our fee.
How do I know the amount you withdraw from my account is the amount you say?
Since we are authorized to use the Federal Reserve Wire System (example), we must abide by the NACHA rules and regulations that regulate our lending practices. The amount we withdraw from your account will be the amount that you have authorized.
What is an A.P.R.?
Annual Percentage Rate or APR is defined as the cost of credit that customers pay, expressed as a simple annual percentage. According to the federal Truth and Lending Act, every consumer loan agreement must disclose the APR in large bold type. The annual percentage rate is the finance charge the borrower actually pays, including loan interest, points, and origination fees.
How do you determine the amount of money to loan me?
State law generally regulates the maximum advance amount available to our customers. Within the allowed range, you qualify for a particular advance amount based on your current income.
Is my installment loan confidential and secure?
How do you determine the due date?
Your next payment, generally, will be scheduled around your next pay date.
What happens if I don‘t have the funds necessary to repay you on my due date?
You must contact us immediately! You will be responsible for NSF fees and late fees from debits that are returned. We encourage you to pay some amount of money towards reducing your principal loan balance at the time of the extension. If you do pay extra towards your principal, you will reduce the amount of interest you would otherwise pay.
Can I extend my loan?
Depends on your State. Please contact us for details.
Can I pay my loan back early?
Yes, you can pay the loan back early. We do not charge a pre-payment penalty. Contact us to let us know that you want us to debit your account earlier that the due date. You may be entitled to a refund or discount of the fees, depending on the date of your payment. If you do payoff early, the amount of money you pay in interest will be adjusted so you are only charged for the days your loan is outstanding.
What about loan requests on Friday or the weekends?
All Friday loan requests after 5pm will be funded on Monday. All weekend requests will be treated as Monday requests.
In which state are you authorized to provide me loans?
Do you provide loans to military personnel?
Not at this time.