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| Frequently Asked Questions |
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What is a payday Loan?
A cash advance allows customers to get cash for a short
time period against their next paycheck. Essentially,
you are making out a check for the advanced loan amount,
plus a fee, to be held until your next payday. A customer
with an active checking account, last paystub and a job
can receive an advance in a matter of minutes.
What happens if I change my mind after taking
out a payday advance loan?
In the State of Alabama and Mississippi you have until
the close of business to rescind on a Cash Advance without
a fee being charged to your account.
In the State of SC, you have 24 hours to rescind on a
Cash Advance without a fee being charged to your account.
I've heard of Cash Advances described as numerous
different terms. What are the differences?
Cash Advance are also known as Payday loans, short term
loans, payday advances, cash loans, fast cash, deferred
deposit, deferred presentment and a number of other things.
No matter what you call them, cash advances can get you
through your financial crisis
Will my transaction be confidential?
We respect our customers' desire for privacy in managing
their personal financial matters. The payday advance transaction
is confidential, and your personal information will be
treated accordingly.
How is my advance amount determined?
State law generally regulates the maximum advance amount
available. Within the allowed range, you qualify for
a particular advance amount based on your current income.
Sometimes you may not be able to get as much as you'd
like, but a cash advance should be part of a short-term
financial solution. We wouldn't really be helping if
you received more than you have the ability to repay.
For further information about the amount you may qualify
for, please call us at 1.877.729.3296.
What is the fee for a cash advance?
The fee is competitive and in compliance with applicable
state or federal law. It is our goal to offer you the
best service at the most competitive fee possible.
What happens if I don't have the funds necessary to repay
the advance on my due date?
Just like you, we hope this doesn't happen. But if
it does, 877PaydayNow.com is committed to collecting
past due accounts in a professional, fair and lawful
manner. If your check is deposited and returned by
your bank due to insufficient funds, 877PaydayNow.com
may charge a returned check charge if permitted by
applicable law. (You should be aware that most financial
institutions will also charge an NSF fee for a returned
check and in some circumstances might revoke your checking
account privileges.) You will be responsible for full
payment of your account, including the returned check
charge. We will contact you to collect the amount due.
If necessary and appropriate, your account may be turned
over to a collection agency.
I still have questions. How can I contact a representative?
Please contact us at 1.877.729.3296 or
e-mail us at customerservice@moneystoremoney.com. |
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