Financial Fundamentals

Take Stock of your Debt

There is a mountain of debt amassing in America, and more alarmingly, the entire globe.  That doesn’t mean that you have to add to it.  In fact, the opposite is true.  Now more than ever, it is important that you aggressively reduce your debt.   In order to do this, you must first take inventory of the bills and debt that you currently have.  List your debt in terms of categories.  Write down your rent, mortgage, auto loans, credit cards, loans, bills, etc.

The first step to an effective debt reduction plan is to bring any delinquent bills current.  Again, list your past due bills and call each one.  Advise these companies that you intend to pay these bills and would like to discuss payment options.  You will be very surprised to find that many companies are willing to negotiate payment arrangements and.


Financial security is of paramount importance to this website.  The site is designed using the highest security standards.

Servers are updated daily, in addition, virus-scans are run and the security is checked.  All this is to ensure that your information is secure.  We remain vigilant in our firewall protection updates.  Every feasible step is taken to protect your information.

Steps you can take

First and foremost, be smart; never send sensitive information over email.  For your protection, we have included a secure contact form to be used instead.   The contact form can be found under “Contact Us”.  In addition, to email security, it is important to keep your browser current.  Keep current on the automatic updates sent by the browser.  Also, ensuring your anti-virus software and firewall protection are constantly operating is another sure best practice.

Choose a password that includes a combination of numbers and letters., as well as upper and lower case letters.  This will greatly increase your account security.  Keep your password secure too, do not share it with anyone.  Use different passwords for different sites.  This will limit the risk if your password is compromised.

Finally, timing is everything, the sooner you contact us when an email looks suspicious, the quicker we can respond to any negative actions.  Regularly checking your credit score, at least once a year, will ensure that you have not fallen victim to identity theft.

Payday Loans May Equal Very Costly Cash



What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At, apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.

How much can I receive? 

Your first loan is based upon the information you provide in your application. You may borrow an amount up to $1500, and after a successful repayment of your payday loan, we may raise the amount on any future 2apply4cash loans.

How are fees established?

Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender, fees can range from $25 to $30 per $100 borrowed. For example, if you borrow $300 the fee will be between $75 and $90.

How do I qualify for a payday loan? does not perform credit checks, which makes qualifying for a payday advance easier than qualifying for traditional credit. You should meet all of the following requirements:
• Currently employed (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have a checking or savings account with direct deposit.

What is the procedure to apply for a payday loan?
To apply for a payday loan, complete and submit the application found on our website. At that point, the approval process will immediately get under way and an agent will notify you of your status.

What information do I need to complete the application?
We need your name, address, employment information, banking details, and picture identification in order to complete your payday loan request.

Is my personal and financial information secure?
We respect our customer’s right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee? never charges applicants a fee to qualify for a payday loan.

Does submitting an application obligate me to take out a loan?
No; submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit? 

As we do not perform credit checks, bad credit will not prevent you from receiving a payday loan at Our friendly managers will work with you, even if you have been turned down by other lenders.

Does being a tenant influence my eligibility?

Whether you rent or own your home, it does not affect your eligibility for a payday loan.

Do I need to fax my information?

There is no need to fax any personal details. The lending company will instantly get all necessary information online.

Can I have more than one payday loan at a time?

No, all other payday loans must be repaid before another may be granted.

Do you contact current or former employers?

No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?

Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.

When will I receive my payday loan? 

You application will be processed within 30 minutes upon being received. Once approved, you may collect your loan the next business day. At that time, we will help schedule a repayment date so you will not have to worry about bouncing a check or missing a deadline.

How will I know that my loan has been approved? 

You will receive an email notification once your loan has been approved. reserves the right to make adjustments to your loan approval up until you receive the funds in your bank account based on new information received regarding your application.

When will my loan be due?

Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next payday (between 8 and 25 days away).

What if I want to pay back my loan early? 
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.

What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension.

The following payment options are available:
1. Pay the loan in full on the maturity date listed on your loan agreement.
2. Pay the finance fee and a portion of the principle on or before the maturity date.
3. Pay only the finance fee on the maturity date.

How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. e encourage all of our clients to use these loan responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.

The operator of this website is not a bank or lender of any kind. All information you provide us is used in securing you a payday loan from one of the many banks/lenders we represent. The personal, financial and employment information that we collect is stored electronically during the duration of the application. All financial and employment data is immediately removed from our system upon acceptance of your application from the bank/lender that approves your application. Acceptance of your application does not mean approval. We will work diligently to secure you a payday loan. There is no charge to you for this service. You will occasionally receive offers from us or a designee that relates to financial services such as credit card offers, payday loan offers, etc. You have the right to stop these offers by unsubscribing here (Unsubscribe). We want your experience to be positive. It is in that spirit that we offer this information so that you are aware that we are not a bank /lender and your data is secure, because your data is electronically transferred to the lender who has accepted your application for a payday loan. Use of this site constitutes agreement with these policies. Please be advised that the owner of the site may revise these policies or others, so it's always important to read all information thoroughly. The owners of this site and our lenders comply with all state and federal regulations to short-term loans. This offer may not be available in all states.