What is a payday advance loan?
Short-term cash advance provided until your next payday. These short-term loans are also known as payday loans, payroll advances, and cash-til-payday loans.

Can I get several payday advance loans at the same time?
No. Only one (1) payday loan can be outstanding at any given time. However, by calling toll free (800) 646 2274, a customer service representative may be able to assist you with a larger loan.

With an online payday advance, how do I get the money?
Once approved, we will fax you a disclosure and authorization form that will allow us to disburse the money to you and electronically debit your bank account for the amount financed as well as the finance charge.

If I repay the loan on time, what are the benefits to me?
Customers with a good repayment record receive our VIP services, which include expedited servicing and discounted rates.

What do I need to qualify?
If you are employed or have some form of guaranteed income, SSI, SSDI, etc., you can apply for a payday loan. We will confirm the information you give us as well as perform credit verification. When you meet at least the minimum criteria, you are approved to receive a cash advance until your next payday.

Am I disqualified from a loan because of a poor credit history?
Not necessarily. We are here to assist customers when the need arises. Many of our current customers have credit difficulties from time to time. A payday loan can help you deal with this short term situation.

What if I filed bankruptcy?
You may still qualify for a Mr. Cash loan, if the bankruptcy is discharged, subject to our normal employment and residency requirements.

Is collateral required?
No. You simply authorize a Demand Draft and/or ACH from your checking account.

How long does it take to get the money?
The approval process usually takes 20-90 minutes. Delivery of funds into your checking account or to your home can usually be arranged either on the same day or the next banking day.

What happens if I don't follow through and repay my loan?
We would not stay in business if our customers did not honor their agreements. We do reserve the right to collect delinquent debts using all legal remedies available including legal debt collection and civil court action.

What should I do if I don't think I can repay the loan on the due date?
Call us immediately. A "returned electronic debit" could cost you substantial "NSF" fees by your bank and can also damage your credit rating. While your obligation to repay the loan is not waived, we will attempt to assist you.

Is this transaction confidential?
Yes. This internet application is secured by "SSL" encrypted technology. In addition, all your records are held in confidence at our electronic commerce center.

What is a Demand Draft?
A check created in lieu of your personal check per your authorization.

What is an ACH?
An ACH (Automatic Clearing House), is the electronic system setup by banks to transfer funds between themselves.