What is a Payday Loan?
A payday loan is a method in which people go about securing short term cash. A payday loan or payday advance is generally for a small amount ($100 - $500) and is normally paid back within a few days. Our fees are normally less expensive then writing a hot check or paying late fees for your rent, and certainly more convenient than having your utilities cut off.
What do I need to be pre-approved
for an Online Cash Advance?
You will be pre-approved for an Online Cash Advance of $200
if you meet these simple requirements:
| » | You must have an income of at least $1200 per month. |
| » | You must have worked at your current job for at least 3 months. |
| » | You must have lived at your current residence for at least 3 months. |
| » | You must have an active checking account with your name printed on the checks; then account must have been open for at least 3 months. |
| » | You must have access to a fax machine. |
| » | Your paycheck must be Direct Deposited into your checking account. |
| » | You must be at least 18 years old. |
| » | You must not be delinquent on a prior Payday Loan. |
What do I need to do?
Complete our on-line application.
If approved, fax the following documents:
» Complete bank statement
» Recent pay-stub
» A copy of your state issued ID
» A voided check
» Recent telephone bill
» Loan Agreement
If application is recieved by 2 pm CST you will recieve funds in
your checking account the next day.
Do you check my credit?
FastBucks does not utilize the services of any of the major credit bureaus. However we DO use various services that share data between payday lenders. We may also use TeleCheck to view your check writing history.
When will I get the money?
If you get the loan agreement back to us promptly, you could receive the loan proceeds in your account the next business day. Our deadline is 2 PM CST for next day deposits.
How much do I have to pay back?
Our fees are as low as $6 for $100 for 3 days. Your fee will be based upon the length of loan you choose and the amount of money you borrow. See APR Disclosure
When my loan is due, what are my options?
| » | If you do nothing, we will debit your checking account on your due date for the full amount due. |
| » | If you request, we will debit your checking account for the current interest due, and extend the due date on your account. |
| » | After paying all current interest due, you may also prepay any portion of your loan amount. |
What if I need more money or prefer to apply in person?
FastBucks internet limit is $200 the first time. If you prefer NOT to fill the application out on the internet, you may call in your application. Our Customer Service Number is Toll Free (877) 329-1604. Our store locations offer higher amounts with different rules. If you prefer to visit a store, click Find a Location for the store closest to you.
