FAQ’S

FAQ’S

FAQ'S

Rates And Terms

An installment payday is a fully amortizing loan, with a finance charge calculated on the principal balances scheduled to be outstanding and be repayable in substantially equal and consecutive installments, according to a payment schedule agreed by the parties with not less than 13 days and not more than one month between payments; except that the first installment payment may be larger than the remaining installment payments by the amount of finance charges applicable to the extra days.

In calulating finance charges under this subsection, when the first installment period is longer than the remaining installment4 periods, the amount of the finance charges applicable to the extra days shall not be greater than $15.50 per $100 of the original principal balance divided by the number of days in a regulary scheduled installment period and multiplied by the number of extra days determined by subtracting the number of days in a regularly scheduled installment period from the number of days in the first installment period.

Our installment payday loans range ffrom $200 to $2,000. Fees are $15.50 per $100 on the initial principal balance and on the principle balances scheduled to pe outstanding during any installment period on any installment payday loan.
You need a job or proven source of income, email address, home phone, checking account in good standing, and you must be at least 18 years of age. All signed Loan Agreements are subject to verification of prior loan history and application data. For a complete list of minimum requirements, please check our Requirements page.

If your application is received, verified, and e-signed before 5PM CST on a banking day, we will transfer the money to your bank overnight, and the funds should be posted to your account the next banking day.

During our normal business hours of 9am CST to 5pm CST, we will contact you by telephone within 15 minutes after we receive your application.

We will not request credit reports from any of the three (3) major credit bureaus. However, we do verify that you are actively employed.

We must have your personal information to verify your identity and to deposit funds into the correct bank account. Your information is always kept secure and confidential in our encrypted database.

If your payment due date arrives and you don’t have the funds available in your bank account, contact us immediately. Only by discussing your repayment options with us will allow you to be able to keep your account in good standing.

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