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Frequently Asked Questions
What is needed to apply for an instant loan?
You will need the following to apply for an instant loan:
- Proof of age (over 18 years of age)
- Proof of citizenship
- A job or proven source of income (employed for at least 1 month)
- A verifiable email address
- A verifiable phone number
- No more than 2 outstanding loans with this or other companies
- A checking account with 30 days good standing, free of:
- non-sufficient fund fees
- returned checks
- overdraft fees
- negative account balances
How do I get my application results?
When you submit your online application, you will receive your results instantly. You can then choose how much you would like to borrow based on your approved amount.
How much can I borrow?
Your first loan amount will be determined using information you provide on your application and will vary by state. After successful repayment of your initial loan, you may be entitled to an increased maximum on your next loan.
When do I get the money?
Your application will be processed within 30 minutes, once you have submitted it through our website. When approved, you will receive your loan on the next business day (excludes holidays and weekends).
How much does it cost?
The loan fee varies by state. Please see our Loan Cost Information for more loan terms.
When will my loan be due?
Your loan will be due on your next payday (between 8 and 30 days away). To file for an extension, please contact us.
What are my payment options?
- Full Payment:
- You would like to pay the remainder of the balance in full
- Your end of loan action is set to pay in full
- Extensions have been exhausted
- Pay interest only
- Pay interest and part of the principal
What if I want to pay early?
If you would like to pay off your loan early, you may be entitled to a refund of part of your loan fee. Please contact us for more information.
What if I miss a payment on my loan?
For your convenience, to avoid missed payments, your payments will be electronically debited from your checking account unless other arrangements are made in advance. If you know you will not be able to make a payment on your due date, please contact our customer support. We may be able to offer you a repayment plan that will give you more flexibility in the pay back terms of the loan.
When I pay off my loan, when can I receive another loan?
Once your final payment on the initial loan clears, (usually 2 business days) we can issue you another loan. After the final payment on your initial loan clears, the new loan will be funded to your bank account.
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