Frequently Asked Questions

An installment loan is a small, short-term loan designed to extend you extra cash, which you can repay in installments on each of your paydays until your loan is paid in full.

How much you will qualify for depends on a number of factors, including your income and current payment obligations. To verify your possible loan amount, simply complete our fast two-minute online application, speak with a loan agent and your cash could be on the way, usually the next business day! And don't worry, most credit types can qualify, even those with discharged bankruptcy, charge-offs and bounced checks!

We may check both traditional and non- traditional credit reporting agencies when we offer pre-approved loan offers to consumers. During our traditional underwriting process we perform only soft credit inquires and do not report information that might affect your FICO scores. As part of underwriting your application we will do a limited credit check with DP Bureau and/or Teletrack, which are specialized subprime credit bureaus serving the short term installment loan industry. These inquiries are subject to federal law and your privacy and rights are guaranteed by the Fair Credit Reporting.

The amount you qualify for is determined by your personal and unique situation. A number of factors are considered in order to determine how much cash we can give you, including the amount of take-home pay you receive monthly. You must have a net income of $1,000 per month. Please do not overstate your income.

If you do not have a printer handy, there are several ways to get copies of your documents to you. We can fax them to you, email them or fax them to your local Kinko's, Mail Boxes Etc. or PostNet so you can pick them up. To make these special arrangements, please visit our Contact Us page and fill out the form; make sure you indicate your message is about a PENDING loan. One of our helpful representatives will contact you shortly thereafter..

Qualifying is easy and you don't need to worry about your credit. You can qualify if you:

  • Make at least $1000 per month
  • Are 18 years of age or older and a U.S. citizen
  • Have a current checking account
  • Currently have a steady source of income
  • Other requirements may apply

In order to complete your loan and get your cash to you, we MUST confirm your loan details. A loan representative will contact you shortly after you submit your application to verify your details. If you do not hear from a representative, please contact us at 855-744-6463. Once your information is verified, and you’ve been approved, the loan typically funds the following business day.

Upon completing the online loan application, we may need to contact you for additional information in order to process your loan in a timely fashion.

Like any lender, we are required to confirm your employment prior to funding your loan. Please note: we DO NOT tell your employer you are applying for an installment loan. If you are not employed, but have regular income, you can still qualify for an installment loan. Enter your home number in this field or leave it blank if you have benefits income and are not employed.

Knowing how often you are paid helps both you and us know when you will be able to repay your installment loan. If you are not employed, but receive benefits income, please let us know how often you receive your benefits income.

You are able to reprint your loan documents at any time during the lending process. If you wish to reprint your loan documents, contact us and we can email them for later printing or printing at another location.