How It Works

This page explains how you get a payday loan with us. Please also see the Frequently Asked Questions (FAQ) page for additional information.

1: Complete the Payday Loan Application

Apply in about four minutes. No faxing *. No credit checks.

Using our easy-to-complete Payday Loan Application page you provide us the information we need to approve you. (Based on the information you provide we will automatically create your paperwork on-line, you will view it on your screen, and then you will electronically sign it. That's it.) If there are any issues with your application a customer service representative will contact you by telephone within an hour so he or she can make corrections to your information and also ask any additional questions they may need to approve you.

* We only require that you fax information when we are unable to verify your employment or banking information through our system.

2: Get Fast Cash After Approval

Get approved in as little as an hour

After you have been approved, as early as the next morning, we electronically deposit between $300 and $1000 (depending on the amount you've been approved to receive) directly into your bank account. It's that easy.

3: Make Payments On the Payday Loan and Pay It Back

Pay just the finance charge on payday or pay back the loan.

You can use the Existing Customers page to see the status of your loan at any time. Before every payday you can visit the Existing Customers page and use the Payment Options to pay a portion of the loan principal in addition to the finance charge--or elect just to pay the finance charge. When you are making payments, please note that you must elect to make your payment(s) at least three (3) days prior to your payday. It is a good idea to pay a portion of the loan principal in addition to the finance charge every payday. As a general rule, it is an excellent idea to pay off your payday loan as soon as you can so you can to keep your finance charges to a minimum. To avoid additional fees, please also ensure at least the money for the finance charge is available in your bank account at payday as we do not want to charge you a non-sufficient-funds (NSF) fee in addition to the normal finance charge.

We will not be able to give you a loan if you are a regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Warning: It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a crime.