How To Qualify.
Example cost of borrowing
A 500 dollar loan over a 90 day term reimbursed in 6 bi weekly payments will consist of 6 payments of approximately $123.00. The total cost for the loan including all fees and interest is $735.00. When compared to a payday loan, our ABR (Annual Borrowing Rate) is about 60% cheaper.
Terms of repayment
Our installment loans can be reimbursed on a weekly, biweekly, bi-monthly or monthly basis. This depends on the borrowers pay schedule. Unlike payday loans, our loan product can be paid in a 90 to 160 day term. Please refer to our example cost of borrowing for more detailed information.
A customer can ask to push a payment to the end of their schedule for a cost of $40.00. This extends the due date by 1 payment or for a period equal to the customer’s pay schedule.
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The rules for pushing a payment are the following:
The customer cannot push the first payment.
The customer cannot push more than two payments per term.
The customer cannot stop two payments in a row.
Please note that an NSF payment is also pushed to the end of the schedule, however, the fee for an NSF payment is $50.00
Please borrow responsibly. Having multiple installment loans or payday loans can be detrimental to your finances. If you have multiple loans please ask one of our agents to assist you with a consolidation product. This will help you re-establish your budget and help your financial recovery.
Better than cash advances or payday loans
That’s right! We said right here! Our product is better than your conventional cash advance or payday loan. Our installment loans are reimbursed over a period of 90 to 160 days. Our APR (Annual Percentage Rate) is 190% and can be as low as 130% for repeat customers.