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Payday Loan FAQ
What Is A Payday Loan?
A payday loan is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties.
What Can A Payday Loan Be Used For?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.
How Do I Qualify For A Payday Loan?
You should meet all of the following requirements:
- Currently employed (or receive regular income)
- Make at least $850/month
- Be 18 years of age or older and a U.S. citizen
- Live or work in the following cities:
What Information Do I Need To Complete The Application?
Come down to one of our two locations. You will need the following information with you to apply:
- Valid photo ID
- Most recent paystub or proof of regular income
- Most recent 30-day bank statement (checking account)
- Utility bill or other mail within the last 30 days to verify current address
Does Being A Tenant Influence My Eligibility?
Whether you rent or own your home, it does not affect your eligibility for a payday loan.
Can I Have More Than One Payday Loan At A Time?
Yes, but only one payday loan at a time per licensed company.
Do You Contact Current Or Former Employers?
We verify employment but operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.
When Will I Receive My Payday Loan?
Your application will be processed on the spot, and upon approval, the loan will be given to you immediately in cash.
When Will My Loan Be Due?
Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next pay date.
What If I Want To Pay Back My Loan Early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, there are no prepayment penalties.
How Often Can I Get A Payday Loan?
We are available any time you need financial assistance between pay periods. We encourage all of our clients to use these loans responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.
Auto Title Loan FAQ
What Is A Pink Slip Loan Or A Car Title Loan?
A car title loan offers a loan based on the value of your vehicle while using your car title as collateral. They are great loans to take out when larger amounts of cash are needed immediately.
How Much Money Can I Borrow On An Auto Title Loan?
Some of the factors that we consider when determining this value are the year, make, model and mileage of the car being used.
Can I Drive My Vehicle Throughout The Duration Of The Car Title Loan?
Yes, you can! That's one of the best things about a car title loan. The pink slip we receive is sufficient enough to allow you to contuinue driving your car.
When Will My TItle Be Returned?
You will get your pink slip back as soon as you have paid off the loan in full.
If you have any other questions about a payday loan or a car title loan, we will be happy to answer them! Don't hesitate to give us a call at 209-982-9899.
Licensed by the California Department of Business Oversight pursuant to the Deferred Deposit Transaction Law (License #:100-1759). Loans, other than deferred deposit transactions, will be made pursuant to a Department of Business Oversight California Finance Lenders Law License (License #: 6072864).