* What is a payday loan or cash advance?

It’s an important financial service used by thousands of consumers every week. It allows a person to get a small amount of cash for a short period, with the loan made against his or her next paycheck. The customer writes a personal check for the amount of the advance plus a fee, and then gets cash for that check, less the agreed-upon fee. The personal check is then held for a predetermined period – usually two weeks. At the end of the period the loan is repaid at the location where loan was issued.

* How much do you charge? (include a fee chart)

Amount Borrowed	Our Fee
$100.00	$15.00
$200.00	$30.00
$300.00	$45.00
$400.00	$60.00
$500.00	$75.00

* What is APR?

Annual percentage rate (APR) is an expression of the effective interest rate that the borrower will pay on a loan, taking into account one-time fees and standardizing the way the rate is expressed. In other words the APR is the total cost of credit to the consumer, expressed as an annual percentage of the amount of credit granted. APR is intended to make it easier to compare lenders and loan options. The APR is likely to differ from the "note rate" or "headline rate" advertised by the lender, due to the addition of other fees that may need to be included in the APR

* Do you take applications on your website?

Per VA Law we are unable to process loans on our website however we can your visit to our store a quick one. VA law requires our customers to read the “Consumer Guide To Payday Lending” issued by the Virginia Dept of Financial Institutions and also sign that they have received this pamphlet. The pamphlet and form we have made available right here on our website so that you can download and bring them with you.

Also you may download and print out an application.

* Do you offer any other services? (western union, etc.)

We provide Fax and Copy service.

* When are you open?

Monday - Thursday: 9:30AM to 6:30PM
Friday: 9:30AM to 8PM
Saturday: 10AM to 6PM
Closed on Sundays

* What are the minimum requirements to get a loan?

1. Must be employed at same employer for 6 or more months
2. Must have lived at current address for more than 6 months
3. Can not any garnishments on your payroll (including voluntary deductions for child support, tax liens ETC)
4. Must have an unexpired state or government issued Drivers Lic, Identification Card or Passport
5. Must have checking account in good standing and open for more than 6 months
6. Must have checks preprinted from the bank


Bring in the following documents:

1. Most recent bank statement showing last 30 days of transaction history, online banking statements are acceptable (MUST SHOW DATE NO OLDER THAN 3 DAY’S OF LOAN REQUEST).
2. Most recent Pay Stub. (If applying for the first time January through June you must bring in either your W2 from prior year or any Pay Stub for December of the prior year). This is to help us verify your length of employment
3. State issued I.D, Drivers License or Passport (Unexpired Only)
4. Recent Utility Bill or Copy Of lease
5. Check Book ( NO STARTER OR COUNTER CHECKS )

* How long does the loan process take?

The process to obtain a loan could take anywhere from 5 to 15 minutes. If you have all of your documents ready to go, our representatives will have you in and out in 5 minutes. If you are coming in for the first time we advise you to print out the Consumer guide to payday lending, signature form stating you have read the guide and the credit application. Bring those in with you completed and we will get you in and out in no time.

* Can I receive a loan with poor credit or no credit?

YES! We do not do a traditional credit check. As long as you qualify (see above for qualifications) & you present the required documents, you will receive a loan with poor credit or no credit.

* Do I have to pay my loan off in full on my due date?

VA law requires all loans be paid in full on your due date. There are no “roll-over’s” or “extensions” permitted. However, after you pay off your existing loan you can borrow it back immediately. Simply bring in your most recent bank statement and pay stub each time you wish to borrow.

* What methods of payment do you accept?

Cash only

* What is the maximum loan amount that I can receive?

VA law allows a maximum loan amount of $500.00

* What determines my approved amount?

Based on your Net income, this is the amount you “take home” after all deductions, we will give you 30% of your Net Pay. *

* If you have outstanding loans with other payday lenders, the percentage could be lower.