Frequently Asked Questions
What are the Requirements to get a loan?
Every application is different. We personally review every application and do whatever we can to help! We want to make you a loan and advance your financial future. We do not approve credit based on your credit score, but instead how you paid your creditors in the past. We do take into consideration job time, established credit, and sufficient income.
What if I am told I need a co-signer?
Sometimes if we see the applicant has potential but may not meet one of the above requirements, we may condition the loan to a co-signer. The co-signer applicant must have established credit, job time, and sufficient income to cover this added expense. They must go through the application process.
What do I need to bring in when approved?
We require a copy of your drivers license or state issued ID, 2 current check stubs, and proof of residence such as a bill or lease document. All other information can be collected at your loan closing.
How do I make my payments?
Payments can be made over the phone with a debit card at no charge to you, drafted from a checking or savings account, cash can be brought into the office, and checks/money orders can be mailed to the address below or dropped into our after hours drop box.