FAQ
What do I need to get a loan?
Steady income of at least $1000.00 a month that we can verify.
Open, active checking account.
Working phone number.
Is my transaction confidential?
Yes. Information about your account is confidential. We do not share your non-public personal information with unaffiliated third parties.
How do you determine how much I can borrow my first time?
State laws determine the maximum amount you can borrow. Within those limits we subscribe to a company that provides us with a “risk assessment analysis”. They assign a number to your application-the higher the number the more you can borrow, up to the maximum. (Note: this number is not your credit score and has nothing to do with your credit report-we do not pull credit reports).
Is the payday loan industry regulated?
Yes. All payday loan companies in the state of Missouri are required to obtain a license from the Division of Finance. In order to maintain that license a store must receive an acceptable rating on their annual review performed by state regulators.
What if I cannot pay the entire loan on my due date?
You may renew or “roll-over” your loan for another two weeks. If you do, it is strongly recommended that you pay a significant portion of your original principal amount toward the loan. This roll-over feature (if allowed by your state) may only be used 4 times.
Your loans are for 14 day periods. What if I get paid monthly?
All loans are for a 14 day period. You would have to make arrangements for your payoff or renewal amount to be in your checking account on its due date.