FAQ

Frequently Asked Questions

What is a payday loan?

A payday loan is a consumer loan where the lender accepts a dated instrument of payment, and agrees to hold the instrument for a time period prior to deposit. In Colorado, our loans have easy installments payments.

 

What do I need to qualify?

Live in the local area, have verifiable income, and a checking or savings account available for electronic fund transfers (EFT).

 

What are your days and hours of operation?

Our store locations are open Monday to Friday from 9:00 am to 6:00 pm, and on Saturday from 10:00 am to 2:00 pm. We are closed Sunday.

 

Do you check my credit rating?

No, we do not pull your credit report to qualify you for a loan.

 

What if I have filed bankruptcy in the past, can I still qualify?

No problem, as long as your bankruptcy has been discharged.

How can I apply?

The quickest way is to call the location that is most convenient for you or you can apply online and a representative will contact you the same day if you are applying during regular business hours. If you are applying after 6:00 pm, we will contact you the next business day.

 

How long does it take to get an approval?

It normally takes 30 minutes or less from application to pre-approval.

 

How much can I borrow?

Each customer’s situation is different and the only way for us to determine what is right for you is to process the application completely. We will do our absolute best to try to get you the amount that you request.

 

Do I need direct deposit to qualify for a loan?

No. You can qualify for a loan even if you don’t have a direct deposit into your account.

 

Does my credit line ever increase?

Yes. We re-evaluate your account each time you bring new information in to us and may periodically raise your loan limit up to the amount allowed by state and federal regulations.

If I need to borrow additional funds before my loan is due, can I get another loan?

Unfortunately, state laws require us to limit a customer to one loan at a time per location.

 

What options do I have when my loan is due?

You can pick your check up and pay it in full in our office, or you can have us deposit your check into your checking account.

 

Are your services confidential?

You can pay your loan in full without penalty or make your installment payment. We can deposit your instrument of payment into your bank account for your convenience.

 

Who can I contact if I have a suggestion, comment or complaint?

Please contact the office manager for any concerns, or if you would like to praise a staff member. If you have a complaint that can’t be resolved to your satisfaction by the office manager, please contact us at (888) 920-8793

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