How to apply
The lender offers two short-term loans, payday and payday plus. Ordinarily, a single payday advance can last two to four weeks. On the other hand, borrowers typically use these loans over months, which can be costly. Payday loans should not be used as a long-term financial solution.
Payday loan
A payday loan applicant can borrow cash between $100 to $500 for 7 to 31 days and repay it all at once, either online or in person. If you take out a $100 cash loan, you will be required to pay a $4.99 fee plus a $10 finance fee in one payment, totaling $114.99. Please, remember that the APR for payday loans is calculated using a 390.8% 14-day repayment period. Note that once the application is approved, the money will be directly transferred to the applicant.
Payday loan plus
An online or in-person payday loan plus applicant can borrow cash between $200 to $1000 for 60 to 90 days and repay in five installments. If you take out a $200 cash loan, you will be required to pay a $4.99 fee and a $54 finance charge in three installments, totaling $258.99, with the first installment being $86.33. Remember that the APR for payday loans is based on a 203.27% repayment term of 14 days which also includes non-business days. Note that once the application is approved the money will be directly transferred to the applicant.
Requirements
To apply for a loan, you must meet the following requirements:
Be 18 years or older
Have a steady source of income with regular money deposits
Have a valid address. Provide proof of current residence (e.g., a copy of a recent utility bill or a driver's license)
Have a valid social security number
Have a valid checking bank account where they can receive the money transfer
Provide a check from the checking bank account (when applying through the store)
Have an active phone number
Provide a copy of your government-issued photo ID.
Steps to apply
On the company's website, go to the loans page and click Apply now.
You will be directed to a form requesting your personal information such as your full name, date of birth, social security number, email address, residence address, length of stay at your residence, government ID type and number, and cellphone number.
Fill in the details about your job as they display on the screen in the next step.
In the next stage, fill in your checking bank account information, then accept and apply on the covered borrower identity statement (as shown on the screen with its relevant information) once you've read it well.
Once you have completed all the required information, the system will direct you to the next page that accepts or declines your application.
Reasons for rejection
The business owner reserves the right to reject your application for any reason, including misrepresentation of income proof, forged proof of domicile, negative credit history, and so on.
