Frequently Asked Questions

A Cash Advance (or Payday Loan) is a short-term, small-dollar loan, often used to cover unexpected expenses or just get a little extra money before your next paycheck. A Cash Advance is a personal loan that provides an alternative to bouncing checks. Cash Advances are used to cover short-term financial situations — they are not a long-term financial solution.

Cash Advance/Payday Loan allows you to visit one of our stores and receive your money in person. The entire process typically takes about 15 minutes, and you could get the money you need on-the-spot. An online Payday Loan gives you the convenience of processing your loan completely online without the need to visit a store. Simply submit an online loan application, and if approved, the funds from this personal loan are deposited directly into your bank account, as soon as the same day.

If you’re applying online, you’ll need:

Valid Social Security Number

Have a valid and active email address

Active Checking Account

Source of Income

Installment Loan amounts vary by state. When applying for a loan, we use your personal information to determine a loan amount that works for you.

For Installment Loans or extended term loans, we will review third party data sources to verify credit.

A Line of Credit is an open-ended way to get an instant cash advance when you need it. Take out a little or a lot, pay it back over time, then tap into the funds again.

Open your line with one simple application.

Take what you need. Receive funds the next day (or sooner).

Pay with your pay cycle. Minimum payments are due on your outstanding advance amounts on your pay dates.

Tap back in. As you pay it down, funds become available again.

One application gives you ongoing access. No more reapplying!

Having a Line of Credit is like having emergency money whenever you need it. You apply only one time and the line stays open to allow you to draw money anytime—as long as your account is in good standing and there is credit remaining in your account.

You don’t need to visit a location when using an online Line of Credit. In general, you will submit an online application. Once approved, you can select an amount to be deposited directly into your bank account (usually by the next banking day). Payments, as well as any future request to draw money from your Line of credit, may also be handled online.

In select states, Payday Cash Express gives you access to online loan services, online Payday Loans, online Installment Loans or Line of Credit.

A Cash Advance (or Payday Loan) is a short-term, small-dollar loan that you can use to cover unexpected expenses or bridge a temporary gap between paychecks. A Cash Advance is a financial solution that provides an alternative to bouncing checks or paying late fees. Cash Advances are used to cover short-term financial situations; not a long-term financial solution.

An Installment Loan typically offers larger loan amounts, and allows you to repay the loan over a longer period of time.

A Line of Credit provides convenient, personal access to money when you need it. Apply just once, and receive approval up to a specific credit limit. Then, withdraw money as you need it up to your approved amount. You only pay interest on the money you withdraw, and the rest remains available if needed.

To find out if online loans are available in your state, click here.

Online Payday Loans, Installment Loans, online Cash Advance or Line of Credit are processed completely online, so there’s no need to visit a location. Just submit an online application and if approved, the funds from the loan will be deposited directly into your bank account, as soon as the same day

Your repayment of the loan is electronically deducted from your bank account on your due date(s).

In states where online Payday Loans, Installment Loans, online Cash Advance, and Line of Credit are available, simply click the "Apply Now" button and complete the application. Once you’ve submitted your application and you are approved the lender will release the funds by direct deposit and you're fund will show in you're bank account by the next business day or sooner.

Absolutely. With Payday Cash Express, you can be certain that all the information you submit for your personal loans and payday loans, and installment loans are sent through a secure server, and kept in a secure database. One way for you to verify our website’s security is to look for the padlock in the URL address. This signifies that your information on this website is encrypted. For more details, see our Privacy Policy.