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Frequently Asked Questions
What is a payday Loan?
A cash advance allows customers to get cash for a short time period against their next paycheck. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday. A customer with an active checking account, last paystub and a job can receive an advance in a matter of minutes.

What happens if I change my mind after taking out a payday advance loan?
In the State of Alabama and Mississippi you have until the close of business to rescind on a Cash Advance without a fee being charged to your account.

In the State of SC, you have 24 hours to rescind on a Cash Advance without a fee being charged to your account.

I've heard of Cash Advances described as numerous different terms. What are the differences?
Cash Advance are also known as Payday loans, short term loans, payday advances, cash loans, fast cash, deferred deposit, deferred presentment and a number of other things. No matter what you call them, cash advances can get you through your financial crisis

Will my transaction be confidential?
We respect our customers' desire for privacy in managing their personal financial matters. The payday advance transaction is confidential, and your personal information will be treated accordingly.

How is my advance amount determined?
State law generally regulates the maximum advance amount available. Within the allowed range, you qualify for a particular advance amount based on your current income. Sometimes you may not be able to get as much as you'd like, but a cash advance should be part of a short-term financial solution. We wouldn't really be helping if you received more than you have the ability to repay. For further information about the amount you may qualify for, please call us at 1.877.729.3296.

What is the fee for a cash advance?
The fee is competitive and in compliance with applicable state or federal law. It is our goal to offer you the best service at the most competitive fee possible.

Select your state to view the fees

What happens if I don't have the funds necessary to repay the advance on my due date?
Just like you, we hope this doesn't happen. But if it does, is committed to collecting past due accounts in a professional, fair and lawful manner. If your check is deposited and returned by your bank due to insufficient funds, may charge a returned check charge if permitted by applicable law. (You should be aware that most financial institutions will also charge an NSF fee for a returned check and in some circumstances might revoke your checking account privileges.) You will be responsible for full payment of your account, including the returned check charge. We will contact you to collect the amount due. If necessary and appropriate, your account may be turned over to a collection agency.

I still have questions. How can I contact a representative?
Please contact us at 1.877.729.3296 or e-mail us at
To find the most convenient location, simply select your city and state from the menus below or give us a call at 1-877-PAYDAYNOW.
Getting the money you need has never been easier. Get started now by clicking the apply button below.
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