Frequently Asked Questions

What is a payday loan?

A short-term loan which becomes due on your next payday.


What do I need to qualify?

Live in the local area, have verifiable income, and a checking account with checks.


What are your days and hours of operation?

All store locations are open Monday to Friday from 9:00 am to 6:00 pm and on Saturday from 10:00 am to 2:00 pm. We are closed Sunday.


Do you check my credit rating?

No, we do not pull your credit report to qualify you for a payday advance.


What if I have filed bankruptcy in the past, can I still qualify?

No problem, as long as your bankruptcy has been discharged.

How can I apply?

The quickest way is to call the location that is most convenient for you or you can apply online and a representative will contact you the same day if you are applying during regular business hours. If you are applying after 6:00 pm, we will contact you by 10:00am the next business day.

If I need to borrow additional funds before my loan is due, can I get another loan?

Unfortunately, state laws require us to limit a customer to one loan at a time per location but you may have available credit on your account. You can call the location where you have your account and a representative will be happy to discuss that with you.


How long does it take to get an approval?

It normally takes 30 minutes or less from application to pre-approval.


How much can I borrow?

Each customer’s situation is different and the only way for us to determine what is right for you is to process the application completely. We will do our absolute best to try to get you the amount that you request.


Do I need direct deposit to qualify for a loan?

No. You can qualify for a loan even if you don’t have a direct deposit into your account.


Does my credit line ever increase?

Yes. We re-evaluate your account each time you bring new information in to us and may periodically raise your loan limit up to the amount allowed by state and federal regulations.

Can I have a loan at more than one of your stores?

Yes! You may have an account at 2 of our locations if you qualify.


What options do I have when my loan is due?

You can pick your check up and pay it in full. You can have us deposit your check into your checking account. You can pay just the interest fee on your loan and extend it until next payday. You can pay more than the interest fee to extend your loan and reduce the amount of your principal.


Are your services confidential?

We respect the privacy of our customers and we keep all of your personal information and information regarding all transactions completely confidential.


Who can I contact if I have a suggestion, comment or complaint?

We have placed suggestion boxes in each of our locations for your convenience if you simply have a comment or a suggestion. If you have a complaint that can’t be resolved to your satisfaction by the store manager, please contact us at