Q: What is a payday loan?

A: A payday loan or a payday advance is a quick and confidential way to get a cash advance until your next paycheck.

Q: What can I use a loan for?

A: You can borrow up to $1000.

Q: What are the requirements for approval?

A: To be eligible for our loans, you must have:

• Have your current job or benefits for at least 3 months.

• Have a valid checking or savings account for at least 3 months.

• Monthly net income minimum of $1200.

Q: How much will this cost?

A: Our fee for a payday loan is $25.00 per $100.00 borrowed. 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 instantly once you have completed our online application. 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: Nothing! Unlike other lenders, We are utilizing proprietary underwriting to approve your loan without any faxing! Our 24/7 online application is completely paperless and faxless. You will get an instant answer whether you have been approved!

Q: When will I hear from you?

A: After you have been approved by our online application, 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, 8:00AM to 9:00 PM (EST). For applications submitted after-hours, we will contact you first thing the next business morning.

Q: How do I receive the cash, and how to 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 do you determine the amount of money to advance me?

A: The amount we can lend to you is calculated from upon your current income. We may increase your advance limit once you have satisfactorily paid off your loan in a timely manner.

Q: Is my payday loan secure and confidential?

A: Absolutely! Unlike many other payday loan sites, we are NOT a marketing company.

We do not collect your information to sell to the highest bidder. We are your Direct Lender for payday loans! Your sensitive information is safe and secure with us. Finally, we transact all our loans on our secure SSL server, utilizing the industry highest standard.

Q: How do I determine my due date?

A: All loans are due on your next pay date, unless your next pay date is less than 7 days away. In this case, your loan will be due on the following pay date. The maximum term for our loans is 90 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 for an extension.

Q: What are my payment options?

A: You have three (3) payment options:

1. Pay the loan off in full prior to your due date

2. You may also refinance (also known as extend or renew) your payday loan for an additional pay period by paying just the interest due (prior to your due date). In Utah you have the option of refinancing your loan up to 4 times. The maximum term of the loan with refinances cannot exceed 12 weeks. When refinancing your loan you also have the option to pay additional money towards the principal of the loan. Paying additional money towards the principal will decrease the amount you owe without requiring the loan to be paid in full. This transaction must be done at the same time you extend your loan. You can apply any amount over the extension fee towards the principal.

3. If you do not pay off your loan in full or refinance your loan prior to your due date, we will automatically process the transaction for the amount due.

If we don't hear from you, we will debit your loan in full automatically on its due date. In your interest, your loan may not be rolled over beyond twelve (12) weeks after the day on which the deferred deposit loan is executed.

Q: Can I pay my loan back earlier than the due date (prepayment)?

A: Yes, you can payoff the loan earlier that your due date. This is called a Prepayment: If you payoff this loan early, you will not have to pay a prepayment penalty, and you may be entitled to a refund of part of the finance charge.

Q: Can I make partial payment?

A: You may make partial payments at anytime prior to maturity in increments of at least $5 on the principal balance without incurring additional charges.

Q: What if I change my mind about the loan - rescission of payday loan?

A: You can rescind the loan without cost or further obligation to us, if you return the loan amount provided on or before 5:00 PM the next business day following the Loan Funding date. For example, if you complete a payday loan at 4:00 PM on Thursday, you have until 5:00 PM on Friday to rescind the agreement.

Q: What about loan requests on Fridays or the weekends?

A: All Friday loan requests before 8:00 PM (EST) will be funded on Monday. All weekend requests will be treated as Monday's requests.

Q: In which states are you authorized to provide payday loans?

A: We fund in all states. We are registered and licensed in the State of Utah, therefore for all transaction shall be governed in accordance with the laws of the State of Utah. If you do not want to enter into a loan agreement subject to Utah law, you should apply for this loan at a lender located in the state where you live.