Purpose of Payday Loans: Payday loans are intended to help individuals meet short-term financial needs, such as unexpected bills or expenses that arise before the next paycheck. They are not a long-term financial solution.

Credit Counseling: If you have ongoing credit difficulties, it is recommended that you seek credit counseling. Payday loans should not be relied upon as a way to manage long-term financial challenges.

Invitation to Apply: This service and website are an invitation for you to send a loan application, but they do not guarantee approval or funding. We review each application on a case-by-case basis.

Legal Compliance: You are responsible for complying with all statutory obligations related to obtaining loans over the internet, which may vary depending on your state of residence. This service may or may not be available in your state.

Alternative Lending Options: If you prefer not to enter into an online loan agreement subject to the terms and conditions outlined by our service, you should consider applying for a loan with a lender located in the state where you reside.

Short-Term Cash Flow Tool: Payday loans should only be used as a short-term cash flow tool. They are not designed to address longer-term financial challenges or replace other forms of credit.

Loan Rollovers: We allow up to two rollovers or extensions of the term of a cash advance. However, the loan must be paid in full prior to issuance of a new cash advance.

Prepayment Options: If you decide to pay off your loan early, you will not be subject to prepayment penalties. In fact, you may be entitled to a refund of part of the finance charge.

Acceptance of Terms: By authorizing us to cash your check(s), you accept the terms and conditions outlined in this Agreement. These terms were available to you in writing at our office, on our website, and verbally from one of our operators.

Separate Transactions: If you choose to purchase other goods or services from us, such as money transmittal or wiring services, those transactions are considered separate from check cashing and may be subject to additional charges.

Electronic Presentment: You agree to electronic presentation of any funds owed and to the re-presentation of any presentations that are returned to us for any reason. Representation may be for less than the original amount owed or in increments totaling the amount due, including non-sufficient funds fees charged by us.

Rescission Option: You have the right to rescind the loan without cost or further obligation to us if you return the loan amount provided by 5:00 PM the next business day following the Loan Funding Date.

Fraud and Identity Theft: Providing false information, including the use of false or altered documents and the use of another person’s identity, is fraudulent and punishable by law. We reserve the right to report any information obtained in connection with a verified fraud attempt to local, state, or federal authorities.

Negative Information Reporting: We may report information about your account to credit bureaus, which may include late payments, missed payments, or other defaults on your account.

Class Action and Arbitration: You agree that you will not bring, join, or participate in any class action or multi-plaintiff action against us. Any disputes, claims, or controversies between us will be resolved through binding arbitration, except as otherwise specified in this Agreement. This arbitration agreement is governed by the Federal Arbitration Act and the Code of Procedure of the National Arbitration Forum (NAF).