Q: What can I use a advance for?
A: Your funds can be use for anything you like, such as car bills, phone bills, etc..

Q: What are the requirements for approval?
A: Have your current job for at least 3 months. Have a valid checking or savings account for at least 3 months. Monthly net income minimum of $1000.

Q: How much will this cost?
A:  Our fee for a payday loan is 15% of the total amount finance, with the APR ranging from 5475.00% to 176.61%. Please refer to our Fee Schedule for more information.

Q: What if I have poor credit?
A: No problem! Unlike many other financial institutions, 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 for a payday loan, please contact us.

Q: How soon can I receive my cash advance?
A: We can approve your loan application in only a matter of minutes; provided you have faxed us all copies of the required documents. If you request your loan before 4:00 PM (PST), we can deposit funds into your account by the very next business day.

Q: What documents do you require for me to fax in?
A: After submitting your loan application, all you need to do is fax us these items:

• Your personal check with the number you entered in your application. If you have a savings account, then you can disregard this request.
• Your most recent complete bank statement, showing your direct deposits.
• Your last pay stub, showing your direct deposits.
• A picture ID - preferably your Driver's License.

Q: When will I hear from you?
A: 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 to Friday, 9AM to 6PM (PST). For applications submitted after-hours, we will contact you first thing the next business morning.

Q: How do I receive the cash, and how do I repay the loan?
A: When you apply for a payday loan, you authorize us to directly deposit the approved amount into your account. You also authorize us to directly withdraw from your account on your next payday for the same amount advanced plus our fee.

Q: How do I know that the amount you withdraw from my account is the amount you say?
A: Since we are authorized to use the Federal Reserve Wire System, we must abide by the NACHA rules and regulations. As a Lender, we are subjected to federal and state laws and regulations that regulate our lending practices. The amount we withdraw from your account will be the amount that you have authorized.

Q: How are the fee amounts established?
A: In the interest of consumer protection, the fee we charge is never higher than the law allows. It is our goal to offer you the best service at the most competitive fee possible.

Q: What is an APR?
A: : An APR is the Annualized Percentage Rate of your payday advance. Our APR range from 5475.00% to 176.61. Please refer to our APR Disclosure for more information, so you make an informed financial decision.

Q: How do you determine the amount of money to advance me?
A: 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.

Q: Is my payday advance secure and confidential?
A: Absolutely! We transact all our advances on our secure SSL server, utilizing the industry highest standard. Your nonpublic information is completely confidential and protected by our company privacy policy.

Q: How do I determine my due date?
A: All loans are due on your next payday, unless your next payday is less than 14 days away. In this case your check will be held for 14 days. The maximum loan term is 30 days.

Q: What happens if I don't have the funds necessary to repay you on my due date?
A: You must contact us immediately! If you contact us two business days prior to the due date, we can make arrangements. If you do not contact us two business days before your due date, your check or ACH will be processed on the due date. In the event of a returned check or ACH, we will charge your account a Returned Check Fee of $25.00.

Q: Can I get an extension on my payday advance?
A:  No, but you may be eligible for the payment plan. Please contact one of our stores for details.

Q: Can I pay my advance back early?
A: Yes, you can pay your advance back early. Contact us to let us know that you want us to debit your account earlier than the due date.

Q: What about advance requests on Fridays or the weekends?
A: All Friday advance requests before 4:00 PM (PST) will be funded on Monday. All weekend requests will be treated as Monday's requests.

Q: In which state are you authorized to provide payday advance?
A: We are a California based lender. Our advances are governed by California law. California law governing consumer advance agreements may differ from the laws of the state where you reside. If you do not want to enter into a advance agreement subject to California law, you should apply for this advance at a lender located in the state where you live.

Q: Do you provide payday advances for military personnel?
A: Yes, active and retired military personnel are welcome. A large segment of our clients are from this sector.

* This advertiser is licensed by the Department of Corporations Pursuant to the California Deferred Deposit Transaction Law.