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A: You might be able to go to your local bank branch and pick up a blank starter or counter check. By law, you will need a real negotiable check.
A: Generally not; we ask for a 30 day history to demonstrate that the account is open, active and being used responsibly. If you are close to 30 days we may be able to make an exception.
A: Fees are regulated by state & Federal statues. The standard fee is $17.65 for every $100 in cash borrowed. Annualized percentage rates (APR %) varies based on the length (term) of the loan.
A: Potentially; checking accounts must be open for a minimum of 30 days prior to use. Your full account number must appear on both the check and the statement you provide.
A: By law, we are required to take in a personal check (linked to an open & active checking account) at the time of your advance.
A: We will still need to obtain a real paystub when opening a new payday loan account, even if its a past one that shows your typical pay information; we would then use the bank statement to validate your current income level.
A: Yes; everything is contained in house; we do not sell or market any of your information. Some of your application information is verified.
A: No; your personal credit rating is not obtained, nor is it ever reported to as long as you are in good standing; past due accounts may be referred to an agency or law firm who do report to the three major credit bureaus.
A: Payday loan advances are determined on a case by case basis, and range from $100 and are capped by law at a maximum cash loan of $2500.
A: Yes; if you will fill our online aplication we will find you the best loan provider.
A: Unfortunately not; once you are hired on permanently, you would be eligible after receiving your first regular paycheck.
A: Loans are closed out via a cash payment at the store (most typical). We will shred your check and call it even. This keeps you in control - we are here to help you avoid high bank fees! If necessary, if your unable to make it in on your loan's due date, we will deposit your check. Money orders can be accepted in lieu of cash. We cannot accept debit / credit cards.
A: A standard advance term is for 14 days; we will look to match you up to your next paydate. We are able to accomodate our fixed income friends on a monthly income.
A: No; by law, a payday advance loan must be paid in full, including the principal, before you can re-borrow it. No fee only "rollovers" are permitted
A: Yes; unlike a bank product or finance company installment loan, there is no pre-payment penalty for retiring the advance loan early. In fact many customers find it convenient to come in on their pay date regardless of when exactly their due date falls.
A: No; a payday advance loan must be paid in full. We are unable to hold a check or take a partial down payment, so please budget accordingly.
A: Yes; You will be more likely to get a loan if you will fill our online form.
7953 Mall Road, Florence, KY 41042