Frequently Asked Questions
UTAH DEPARTMENT OF FINANCIAL INSTITUTIONS
324 South State Street, Suite 201
Salt Lake City, UT 84111
IDAHO DEPARTMENT OF FINANCIAL INSTITUTIONS
800 Park Blvd., Suite 200
Boise, ID 83712
WISCONSIN DEPARTMENT OF FINANCIAL INSTITUTIONS
201 West Washington Ave., Suite 500
Madison, WI 53703
MISSOURI DEPARTMENT OF FINANCIAL INSTITUTIONS
Harry S Truman State Office Building, Room 630
P.O. Box 716 Jefferson City, Missouri 65102
Frequently Asked Questions
- 18 years or older
- The resident of a state where we are licensed to offer loans
- Have a monthly net (after taxes) income of at least $1300
- Received income from this source for 3 months or longer
- Have a current, state-issued identification that you are able to provide us a color copy of
- Are not an active member of the military, a dependent, or a spouse of an active member of the military. We love our military members, but if you’re active, the law doesn’t allow us to offer you a loan. Uncle Sam’s rules, not ours!
- Are not in bankruptcy proceedings and are not considering bankruptcy.
- You must have an active bank account
We are an online only lender, which saves you time and money. Compare our rates and fees to payday!
Also, our loans are structured as installment loans – meaning you pay them back with affordable payments over time, rather than all at once like a payday loan.
For your first loan, we’ll deposit your money right into your checking account through an ACH transfer. Your money is typically available as soon as your bank processes the transaction the following morning.
If you’re a returning customer, depending on your state, you may have the option for a same-day wire transfer for an additional fee. Please be aware that some banks charge an additional fee to receive a wire transfer.
You’ll choose your preferred method of repayment as part of your application process.
These options include:
- Credit or Debit Card
- Money Order
Yes, but we encourage you to follow the payment schedule you set up originally. Our goal is to save you money! Partial payments will cause you to pay additional interest, which can add up over the lifetime of the loan.
ACH stands for “Automated Clearing House”. It is a system that banks use to transact money back and forth between business and consumer in an organized and efficient manner. If you get direct deposit paychecks or have a utility or car payment taken directly from your account each month, it is likely done using an ACH transaction.
We can walk you through the application process over the phone, but your application must be completed and signed online. Because we are an online-only lender, you must have Internet access and have the ability to use our customer portal for reviewing/signing documents and requesting extensions.
Of course! There is no penalty for paying your loan off early and you’ll save money on interest.
Yes, but you’ll need to notify us before 5:30 PM on the day you’re approved.
Contact us as soon as possible! Our friendly customer support team will help you get back on track.