Payday Loans

Payday loans are small-denomination, unsecured advances up to $500 that are typically due on the customer’s next payday.  Payday loans are designed to meet temporary, short-term cash flow needs.  A payday loan is a convenient alternative to pawning or pledging personal property, incurring NSF or overdraft protection charges, or paying late charges.  When used responsibly, payday loans are a good choice.

We ask you to provide us information on your employment, sources of income, checking account history and contact information.

Payday Loans – FAQs

Can I do a payday loan online?

Payday loans are only available at store locations.

What do I need to provide the store to apply for a payday loan?

We ask that you provide:

  • Valid Photo ID
  • Your most recent checking account statement
  • Proof of a steady income
  • A check from your checking account.

You must be at least 19 years of age (or 18 and married) to qualify for a payday loan.

Do you allow savings accounts or prepaid debit card accounts instead of checking accounts?

Alabama law requires that you have a checking account for a payday loan.

When do I have to pay the loan back?

The loan must be repaid by your next scheduled payday. By law, the advance is due between 10 and 31 days from the contract date.

Is my credit rating checked before I receive an advance?

We will not obtain a credit report from any of the three major credit bureaus. Unlike many other financial institutions, we do not require that you have a good credit rating or credit history.