Cash Advance FAQs

Amounts shown on this website range from $50 up to $500. Kentucky law currently permits no more than $600 in total proceeds across open deferred-deposit transactions, subject to annual adjustment by the Department of Financial Institutions. Eligibility and approved amount are determined case by case.

Kentucky caps the service fee at $15 per $100 of the deferred-deposit check's face amount. Kentucky imposes a $3 database fee per transaction; the fee may be charged to the customer. Use the fee calculator for examples and review the written agreement for the actual finance charge and APR.

Kentucky requires the service-fee period to be at least 14 days, and a licensee may not agree to hold a deferred-deposit transaction for more than 60 days. The due date is set in the transaction agreement.

No fee-based renewal, rollover or consolidation is permitted under Kentucky law. A new transaction requires eligibility verification and compliance with the statewide database rules.

Ask the store how early repayment is handled. Kentucky law does not permit a licensee to obtain charges greater than the amount authorized by the statute, and your agreement controls the payment process.

The store process has been structured around single-payment deferred-deposit transactions. If you may have difficulty paying the full amount on time, contact the store before the due date and review your agreement.

The store qualification process asks for recent checking-account documentation and an eligible payment instrument. Call first if your account is new, your payment method is different, or you do not have a blank personal check.

Bring roughly 30 days of account history so the account can be verified as open and active. A specific exception or alternative should be confirmed with the store.

Bring a current paystub or award letter. Direct deposit shown on a bank statement may support verification, but the store may still request a paystub or other income documentation.

The service area is focused on Northern Kentucky customers and employees. Call to confirm current geographic eligibility before visiting.

Regular, verifiable income is important for the qualification review. Temporary or staffing-agency income may require additional review; call before visiting.

Personal and transaction information should be handled only for verification, servicing, legal compliance and other disclosed purposes. Do not send bank credentials, Social Security numbers or payment details through ordinary email or unsecured channels.

The basic deferred-deposit review does not rely on a traditional FICO score as the primary decision factor; other verification databases may still be used as required by law or underwriting.

Possibly, if it is a valid payment instrument and the associated account can be verified. Call first so the store can explain the documentation needed.

The payment method and due date are stated in the transaction agreement. Contact the store before the due date to confirm the available in-person payment methods and how the payment instrument will be handled.

Yes. You can submit the online application on this website. Submission does not guarantee approval, a specific amount, pricing, funding or timing; review the written disclosures before entering a transaction. Apply online.

Do not pay solely because of a threat. Ask for written validation of the debt, verify the creditor independently, and use the scam-alert page for BBB, FTC and FBI reporting resources.