FAST ANSWERS TO YOUR QUESTIONS
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If you have any question not answered here, Call (800) 979-4808 for immediate assistance.
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PAYDAY LOANS;
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How do I get started?
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You can start the process immediately by calling toll free
(800) 979-4808 or by CLICKING HERE NOW!
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What is a DEFERRED DEPOSIT?
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A deferred deposit transaction is a short-term loan until your next payday.
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What do I need to qualify for a loan?
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You must have an open and active Checking or Savings Account (preferably with Direct Deposit),be 18 years of age, have at least $1,000 per month of steady verifiable income, and have a current permanent residence.
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How much money can I borrow?
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The loan amount is based upon your monthly income and your stability at your job and residence. Call now to get a quick quote in less than 5 minutes over the phone. 1-800-979-4808.
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Do I need a Checking or Savings Account?
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Yes. You need a Checking or Savings Account, preferably with Direct Deposit.
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How fast can I get the money?
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We can usually have your application approved and processed within an hour. We will deposit the money directly into your BANK account and the funds will be available on the next bank business day.
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Do I need to have good credit to get a loan?
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No
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Do you check my credit?
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We do not run a credit check with the three major bureaus, TransUnion, Equifax or Experian. However, we do use Teletrack and CLVerify. Teletrack and CLVerifiy are consumer reporting agencies that specializes in the sub-prime industry.
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How much will this loan cost me?
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We charge a nonrefundable finance charge equal to 15% of the total loan payment. For example for a $100 the finance charge will be $17.65 ($100 / 85%) = $17.65. See table below:
Amount Financed |
Finance Charge |
Total of Payments |
Number
of Payments |
APR* |
(Loan Amount) |
(Fee) |
(Amount Repaid) |
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14 days |
30 days |
$100.00 |
$17.65 |
$117.65 |
1 |
460.16% |
214.74% |
$150.00 |
$26.47 |
$176.47 |
1 |
460.07% |
214.70% |
$200.00 |
$35.29 |
$235.29 |
1 |
460.03% |
214.68% |
$255.00 |
$45.00 |
$300.00 |
1 |
460.08% |
214.71% |
ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The APR is based on the example loan terms of one payment (“Total of Payments”) due in 14 and 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
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How long is the term of the loan?
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The loan is until your next payday or when the loan comes due.
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Can I pay off the loan at any time?
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Yes.
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Is there a penalty if I pay the loan off early?
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No.
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What happens when my loan becomes due?
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The pay off amount will automatically be deducted from your bank account on the due date. You are eligible for another loan immediately after we can confirm that the ACH has cleared your bank account .
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How do I get started?
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You can start the process immediately by calling toll free
(800) 979-4808 or by CLICKING HERE NOW!
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Can I cancel my loan?
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Borrower may return to Lender the amount financed on or before the close of business of the business day following the day the Amount Financed was disbursed or advanced, without incurring any fees or other charges.
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