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FAQs


What states are you currently licensed to issue me a loan?
At this time we are only licensed in the states of Illinois and Missouri.

What do I need to be considered for a loan?
It is required that you have been employed for at least six months, net $1200 monthly, have an open and active bank account for at least 30 days, and not currently in bankruptcy.

What documents will I need in order to take this loan?
We require a utility bill with your name and current address, a bank statement with at least 30 days of activity, your two most recent paystubs, a copy of a voided check and an Illinois State ID or Driver’s License. 

What if I have bad credit or have been in a bankruptcy?
No credit, bad credit and past bankruptcy’s will not stop you from being considered for a loan. As long as you are not currently in bankruptcy or filing for bankruptcy, we can process your application.

What are the reasons I might be denied for the loan?
You may be denied for any number of reasons, but here are some of the more common;
- You have not been employed for at least six months.
- You have an open bankruptcy.
- Your income doesn’t meet our qualifications.
- You don’t have a open and active bank account
These are not all of the reasons that a loan application can be turned down.

How much can I borrow?
The max loan that our company currently offers is $1500. The amount we can lend you is based on length of employment, income, status of your bank account, history of bankruptcy, and your ability to pay back your loan.

How do your loans work?
Most of our loans are installment loans which have multiple payments set forth in a schedule on the contract. The number of payments can have has a wide range based upon the installment product you apply/qualify for.  Each loan can be paid off early with NO penalty for prepayment. (This is strongly encouraged.) 

How do I receive my money?
Once our funding department receives your signed contracts, your funds are directly credited to your bank account via an ACH.  Other arrangments can be made for loans made at our store locations.

How do I make payments?
All payments for your internet loan are set up to be electronically debited out of your bank account via an ACH.  If you are unwilling/unable to give an ACH authorization you would need to visit a store location in order to complete the loan process.

How much will be taken from my account for each payment?
All contracts have a payment schedule on the first page. Please refer to contract to make sure amount debited is accurate.

Can I pay this loan off early?
All of our loans can be paid off early with no pre-payment penalty fee.  We do request that you contact us 3 days prior to the payment in full or any payment other than what is outlined in the contract.

How do I make larger payments than are on my schedule?
We do accept all forms of payments, except personal checks. You may send us a money order, certified check, or we can debit any additional payments from your bank account.  Please contact us at 877-408-2254 3 days prior to making any payments other than a normal ACH.

What happens if I cannot pay on time according to my schedule?
In the event you cannot pay you must contact us at least three business days prior to your due date is scheduled.  In some cases we can provide an extension.

What are the internet hours?
10:00AM to 6:00PM CST on Monday and Thursday
10:00AM to 3:00PM CST on Tuesday and Wednesday
10:00AM to 7:00PM CST on Friday
9:00AM to 3:00PM CST on Saturday