Frequently Asked Questions



General Questions:

Q: Will you be checking my credit?

A: Yes, we will check your credit if all the other loan qualifications are met.

Q: Do you have a very complex interest rate system?

A: Yes, our rates are quite complicated. 15% of the first $100, 14% of the second $100, 13% of the third $100, 12% of the fourth $100, 11% of the fifth $100, 11% of the sixth $100.

Q: Can I cancel at any time?

A: You can cancel at any time within the first 48 hours of the contract date.

Q: Will a cosigner increase my chances of being accepted?

A: No, and we won't accept a cosigner anyway.

Q: Is bad credit an important factor?

A: We more or less don't care about credit scores as such. We do look at individual items on the credit report, however. We are primarily interested in whether you have chosen to not pay other payday lenders, and in confirming your identity.

Q: What's the maximum amount to borrow?

A: The State of Michigan has limited payday loans to $600, which is what we offer.