Frequently Asked Questions
What Are the Requirements for Approval?
Must have current job for at least 4 months
Valid Illinois state ID or driver’s license
Net income of $250 a week
What If I Have Poor Credit?
No problem! Unlike many other financial intuitions, we do not require that you have good credit or, for that matter, any credit history at all. If you have any questions about qualifying please contact us.
How Soon Can I Receive My Loan?
We can pre-approve your loan application in a matter of minutes. After we receive the documentation that we need, you can walk out with your ca$h at one of our 3 locations.
What Documents Do You Require for Me to Bring In?
2 most recent pay stubs
Most recent bank statement
A bill with your name and address on it
Valid Illinois driver’s license or state ID
WHAT IS AN A.P.R.?
Annual Percentage Rate or APR is defined as the cost of credit that customers pay, expressed as a simple annual percentage. According to the federal Truth and Lending Act, every consumer loan agreement must disclose the APR in large bold type. The annual percentage rate is the finance charge the borrower actually pays, including loan interest, points, and origination fees.
How Do You Determine the Amount of Money to Loan Me?
Illinois State law generally regulates the maximum advance amount available to our customers. Within the allowed range, you qualify for a particular advance amount based on your current income.
Is My Installment Loan Confidential and Secure?
How Do You Determine the Due Date?
Your next payment, generally, will be scheduled around your next pay date.
Can I Pay My Loan Back Early?
Yes, you can pay the loan back early. We do not charge a pre-payment penalty. Contact us to let us know what day you plan to pay your loan off early. You may be entitled to a refund or discount of the fees, depending on the date of your payment. If you do payoff early, the amount of money you pay in interest will be adjusted so you are only charged for the days your loan is outstanding.
In Which State Are You Authorized to Provide Me Loans?
Do You Provide Loans to Military Personnel?
Not at this time.