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How Our Loans Work
IS IT REALLY FAX FREE APPROVAL?
YES. "No faxing required" means just that.
Our Unique 24-7 FaxLessSM Payday Loan Processing Totally Eliminates Faxing Forever!!
With our online 24-7 FaxLessSM processing, faxing is eliminated. FaxLessSM means that your application is completed online in minutes and you’re finished/done. Our total online process gets rid of sending and receiving faxes-TOTALLY!
*Subject to verification of the information on your application; some restrictions may apply.
When will I receive my loan?
Once you have applied online, a loan agent will attempt to contact you to verify your
banking information and explain the terms to you. Once your application has been approved, your cash
can be in your bank account as early as the next business day!
Payment Options
You Decide What Payment You Want to Make, Based on the Three Examples
Below.
OPTION 1: AUTOMATIC RENEWAL
Your minimum payment on your first FOUR due dates is your finance fee. This payment is AUTOMATICALLY debited
on your due date unless you request to pay more than this amount. Beginning on your FIFTH due date, you will
be required to pay a minimum of $50.00 toward your principal balance ($100.00 on loans greater than $500.00)
on every due date until your loan is paid in full. Finance fees paid will not be applied to your principal
balance. *IMPORTANT: A NEW FINANCE FEE WILL BE ASSESSED (based on your remaining principal balance) WHEN YOU
SELECT THIS PAYMENT OPTION*
| Example |
(Your Current Balance) |
(Your Payment) |
(Your Balance After Payment Is
Made) |
PRINCIPAL BAL |
+ |
FINANCE
FEE |
= |
TOTAL
DUE |
- |
PRINCIPAL
PAID |
- |
FINANCE
FEE
PAID |
= |
REMAINING
PRINCIPAL BAL |
+ |
NEW
FINANCE
FEE |
= |
REMAINING
BALANCE |
$ 100.00 |
+ |
$ 30.00 |
= |
$ 130.00 |
- |
$ - |
- |
$ 30.00 |
= |
$ 100.00 |
+ |
$ 30.00 |
= |
$ 130.00 |
$ 200.00 |
+ |
$ 60.00 |
= |
$ 260.00 |
- |
$ - |
- |
$ 60.00 |
= |
$ 200.00 |
+ |
$ 60.00 |
= |
$ 260.00 |
$ 300.00 |
+ |
$ 90.00 |
= |
$ 390.00 |
- |
$ - |
- |
$ 90.00 |
= |
$ 300.00 |
+ |
$ 90.00 |
= |
$ 390.00 |
$ 400.00 |
+ |
$ 120.00 |
= |
$ 520.00 |
- |
$ - |
- |
$ 120.00 |
= |
$ 400.00 |
+ |
$ 120.00 |
= |
$ 520.00 |
$ 500.00 |
+ |
$ 150.00 |
= |
$650.00 |
- |
$ - |
- |
$ 150.00 |
= |
$ 500.00 |
+ |
$ 150.00 |
= |
$ 650.00 |
OPTION 2: PAYDOWN (PARTIAL PAYMENT TOWARD YOUR PRINCIPAL BALANCE)
THIS PAYMENT SELECTION MUST BE MADE AT LEAST 3 FULL BUSINESS DAYS BEFORE YOUR DUE DATE. You
can make a payment toward the principal balance of your loan on ANY of your due dates. You can pay any amount
in $50.00 increments ($50.00, $100.00, $150.00, etc.) toward your principal balance. Whichever amount you
choose to pay will be IN ADDITION to your finance charge. This selection can be made by either calling our
automated system at 888-678-8567, logging in to your account at this website, or by faxing
your Account Summary to us with your selection marked. Finance fees paid will not be applied to your
principal balance. *IMPORTANT: A NEW FINANCE FEE WILL BE ASSESSED (based on your remaining principal balance)
WHEN YOU SELECT THIS PAYMENT OPTION*
| Example |
(Your Current Balance) |
(Your Payment) |
(Your Balance After Payment Is
Made) |
PRINCIPAL BAL |
+ |
FINANCE
FEE |
= |
TOTAL
DUE |
- |
PRINCIPAL
PAID |
- |
FINANCE
FEE
PAID |
= |
REMAINING
PRINCIPAL BAL |
+ |
NEW
FINANCE
FEE |
= |
REMAINING
BALANCE |
$ 100.00 |
+ |
$ 30.00 |
= |
$ 130.00 |
- |
$ 50.00
| - |
$ 30.00 |
= |
$ 50.00 |
+ |
$ 15.00 |
= |
$ 65.00 |
$ 200.00 |
+ |
$ 60.00 |
= |
$ 260.00 |
- |
$ 50.00
| - |
$ 60.00 |
= |
$ 150.00 |
+ |
$ 45.00 |
= |
$ 195.00 |
$ 300.00 |
+ |
$ 90.00 |
= |
$ 390.00 |
- |
$ 50.00
| - |
$ 90.00 |
= |
$ 250.00 |
+ |
$ 75.00 |
= |
$ 325.00 |
$ 400.00 |
+ |
$ 120.00 |
= |
$ 520.00 |
- |
$ 50.00
| - |
$ 120.00 |
= |
$ 350.00 |
+ |
$ 105.00 |
= |
$ 455.00 |
$ 500.00 |
+ |
$ 150.00 |
= |
$650.00 |
- |
$ 50.00
| - |
$ 150.00 |
= |
$ 450.00 |
+ |
$ 135.00 |
= |
$ 585.00 |
OPTION 3: PAY YOUR LOAN OFF
THIS PAYMENT SELECTION MUST BE MADE AT LEAST THREE FULL BUSINESS DAYS BEFORE YOUR DUE DATE.
You may pay your loan off on any due date. Your payoff amount will consist of your principal balance and
finance charge. This selection can be made by either calling our automated system at
888-678-8567, logging in to your account at this website, or by faxing your Account
Summary to us with your selection marked.
| Example |
(Your Current Balance) |
(Your Payment) |
(Your Balance After Payment Is
Made) |
PRINCIPAL BAL |
+ |
FINANCE
FEE |
= |
TOTAL
DUE |
- |
PRINCIPAL
PAID |
- |
FINANCE
FEE
PAID |
= |
REMAINING
PRINCIPAL BAL |
+ |
NEW
FINANCE
FEE |
= |
REMAINING
BALANCE |
$ 100.00 |
+ |
$ 30.00 |
= |
$ 130.00 |
- |
$ 100.00 |
- |
$ 30.00 |
= |
$ - |
+ |
$ - |
= |
$ - |
$ 200.00 |
+ |
$ 60.00 |
= |
$ 260.00 |
- |
$ 200.00 |
- |
$ 60.00 |
= |
$ - |
+ |
$ - |
= |
$ - |
$ 300.00 |
+ |
$ 90.00 |
= |
$ 390.00 |
- |
$ 300.00 |
- |
$ 90.00 |
= |
$ - |
+ |
$ - |
= |
$ - |
$ 400.00 |
+ |
$ 120.00 |
= |
$ 520.00 |
- |
$ 400.00 |
- |
$ 120.00 |
= |
$ - |
+ |
$ - |
= |
$ - |
$ 500.00 |
+ |
$ 150.00 |
= |
$650.00 |
- |
$ 500.00 |
- |
$ 150.00 |
= |
$ - |
+ |
$ - |
= |
$ - |
Notice: (1) This short-term Loan provides the cash needed to meet an immediate short-term cash flow problem. (2) It is not a solution for longer-term financial problem for which longer term financing may be more appropriate. (3) You may want to discuss your financial situation with a nonprofit financial counseling service in your community. (4) You will be charged additional fees if you renew or refinance your Loan with us.
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