1. Calculate total due
Use the calculator and written disclosure to identify cash received, fees, total due and due date.
Borrowing decision
Responsible Borrowing
A short-term cash advance can be expensive. Use this checklist to compare the cost, repayment date and lower-cost alternatives before borrowing.
Before you borrow
Start with the repayment amount, not the approval amount.
If the full amount due would leave you short on rent, food, utilities, medicine or transportation, the cash advance may create another shortage on the next pay date.
2. Protect essential expenses
Subtract the total due from your next expected income and confirm essential bills still fit.
3. Compare lower-cost options
Ask about employer advances, payment plans, credit-union small-dollar options, family help or nonprofit assistance before choosing high-cost short-term credit.
Kentucky protections
Know the rules that limit the transaction.
Kentucky law caps the service fee, prohibits fee-based rollovers, limits open transactions and requires database eligibility checks.
Borrowing checklist
- I know the exact total due and due date.
- I can repay without missing essential expenses.
- I have compared at least one lower-cost alternative.
- I understand what happens if the payment instrument is returned.
- I have received written fees and required disclosures.
- I verified the provider's licensing status with Kentucky DFI.
Repeated borrowing is a warning sign.
Deferred-deposit credit is designed for short-term cash-flow needs, not ongoing monthly deficits. If you regularly need a new advance to cover routine expenses, a budget counselor or nonprofit credit counselor may be more useful than another transaction.
If repayment is difficult
Contact the provider before the due date.
Do not ignore the agreement or a legitimate notice. Keep records of payments and communications, and do not send money to an unverified third-party collector.