FAQ's

General Question

You must be at least 18 years of age. You must have a checking account that has been open and in use for at least 90 days. You must have a minimum of $1000 in payday or fixed income deposits per month.
They provides short-term cash advances that are electronically deposited into your checking account. Everything from application to payment is done electronically via our web site. When your loan is due, the amount borrowed plus a service fee is debited from your checking account.
If you choose not to pay your loan on the due date, you can extend the loan for an additional fee. You can extend your loan up to three times, paying only the finance charges and fees due at that time.
Personal loans are designed to be short term loans to meet an immediate need. Unfortunately, a dependence on extensions moves a customer into a long term situation which is not in their best financial interest. We are committed to dealing with consumers with honesty and integrity and do not wish to take advantage of anyone or to allow them to abuse a system to their own harm.
You should fax in your bank statement as soon as possible. The deadline for next-day funds is 4:00 p.m. Pacific Standard Time. You must be approved by this hour for your funds to be available by the next banking day.
After filling out the online application or calling them to apply by phone, you will have to fax in your bank statement and a voided check. They examine your bank statement to determine your income, and they loan you funds based on the monthly amounts we see deposited into your account. If they approve your loan request, the funds will be deposited into your account overnight so that you can get your money the next banking day.

The cost of your cash advance loan is dependant on many factors, such as the lender and how you manage your financial obligations. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs that you may experience.

Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you cant get to work! Actual fees are determined based on the information you provide when you submit your loan application.

Your cash can often be sent to your bank account the very next business day and you dont repay until your next paycheck.

Main features of an Unsecured Loan:

No collateral is required to be placed against the loan taken. Therefore, homeowners as well as non-homeowners can apply for it.

Not as much paperwork and hence quicker to obtain.

The repayment term for an unsecured loan starts from 6 months and can go up to 10 years.

The interest rates offered on unsecured loans are higher, normally between 7% and 30%.

The maximum loan amount for unsecured loan is to about $25,000.
Although, there is no worry of losing your home in case of any inability to repay the loan, in the event that a borrower does not pay up, the lender will pursue the borrower through the legal system. Tenants and other homeless people constitute a major group of borrowers of unsecured loans online. Unsecured loans are also made available to people who are on income supports: like those over 60 years of age, unemployed or people whose savings range from $8000 to $12000.

Checking your loan options does not affect your credit score

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Unsecured Loans are Personal Loans that provide resources (loans) to borrowers, without them having to offer their homes, property or anything as security. If you are a tenant and do not have anything to offer as collateral to a lender - Unsecured Loans are for you! These are given after a check on the credit history, the character and repayment capacity of the borrower.

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