FAQ

How do I apply for a Payday Advance?

Click on Get Started to the left and complete your application. Bring in your valid ID, the last 30-days of your bank activity, your checkbook, your current pay stub, and your utility bill.

How much of a Payday Advance can I receive?

We may approve you for up to 75% of your net weekly pay excluding overtime, bonuses or commission.

How long does the Payday Advance application process take?

The application process takes just minutes to complete because applicants are only required to provide a few basic documents and proof of identity.

How do I repay my Payday Advance?

There are two options to repay your Payday Advance.

  1. Pick Up Your Payday Advance Check: You have anytime from the date of your loan until the deposit date on your check to come and pay off your Payday Advance in cash and pick up your check.
  2. Process Your Payday Advance Check Through The Banking System: The date on your check is the day your check will be sent to the bank.

When will my Payday Advance be due?

Payday Advances are due from 14 to 16 days if you are paid weekly, bi-weekly, or semi-monthly. If you are paid monthly, we can hold your check for a maximum of 31 days.

How soon can I receive another Payday Advance?

For Payday Advances $50 – $200:

  • If you come in within the period of time allowed and pay off your Payday Advance, you are able to apply for the same amount or a lesser amount if you paid by cash or your check has cleared. You must be in before Midnight Monday thru Saturday and Sunday by 4pm to pick up your check and or re-write your Payday Advance.

For Payday Advances $225 – $445:

  • If you come in within the period of time allowed and pay off your Payday Advance, we require you to wait an additional day to re-write for the same amount if you paid by cash or your check has cleared. There is an Iowa law stating that you cannot exceed $500.00 in one day, picking up and re-writing for an loan, so qualifying for these amounts fall under this law.

Is there a limit to the number of checks I can cash?

You can cash one paycheck per pay period per company, or more if you get paid by a job, (self contracted, etc.) Exceptions may be made under certain circumstances.

Is there a limit on the dollar amount of the check I want to cash?

We try our best to cash checks of any amount.

Can I cash a check that was signed over to me?

No. The person that the check is payable to is the person that needs to be present with a valid ID to cash it.

How much does it cost to cash a check?

Check fees vary by type and amount. Please call our office for more information.

If I’ve lost my ID but I’ve cashed a check with you before; can I still cash my check?

We may be able to help you if you have already registered with us.  However, we recommend that you always have your ID for check cashing.