Check Advances

Check Advances

Q: HOW DO YOUR CHECK ADVANCES WORK?

A: We offer advances from $25 to $500 (our price chart is below). We'll ask you to write us a check for the amount you need plus our fee.

We'll give you the amount you need, then hold your check for 7 or 14 days to give you time to reach your next payday. We will automatically run your check through at the end of 14 days, or you can come in and pick up your check with cash within 7 days. If you do that, you'll save a lot of money (see below)!

(*30 Day Advances Available for SSI and Disability Income customers who qualify)

 
Q: HOW MUCH DOES IT COST?

A: As a first-time customer, we won't charge you anything when you mention our "first-time free" offer. We believe this arrangement will pay off for us in the long run, because we honestly believe we'll convince you to use us again when a short-term money crisis comes up. If you never need us again after the first time, you're simply a winner! But we are, too, because we got the chance to impress someone who might tell others that we did a good job for them.

Advance Fee Payoff If you pay off within 7 days
$25.00 Free $26.00 $26.00 $26.00
$50.00 $7.00 $58.00 $58.00 (a savings of $3.00)
$75.00 $11.00 $87.00 $87.00 (a savings of $4.00)
$100.00 $15.00 $116.00 $116.00 (a savings of $6.00)
$125.00 $19.00 $145.00 $145.00 (a savings of $8.00)
$150.00 $22.00 $173.00 $173.00 (a savings of $9.00)
$175.00 $26.00 $202.00 $202.00 (a savings of $12.00)
$200.00 $30.00 $231.00 $231.00 (a savings of $15.00)
$225.00 $35.00 $261.00 $261.00 (a savings of $16.00)
$250.00 $37.00 $288.00 $288.00 (a savings of $18.00)
$275.00 $41.00 $317.00 $317.00 (a savings of $20.00)
$300.00 $45.00 $346.00 $346.00 (a savings of $22.00)
$325.00 $48.00 $374.00 $374.00 (a savings of $24.00)
$350.00 $52.00 $403.00 $403.00 (a savings of $26.00)
$375.00 $56.00 $432.00 $432.00 (a savings of $28.00)
$400.00 $60.00 $461.00 $461.00 (a savings of $30.00)
$425.00 $63.00 $489.00 $489.00 (a savings of $32.00)
$450.00 $67.00 $518.00 $518.00 (a savings of $33.00)
$475.00 $71.00 $547.00 $547.00 (a savings of $35.00)
$500.00 $75.00 $576.00 $539.00 (a savings of $37.00)
*(Kentucky collects a $1.00 fee for every check advance done in our state.)

 

Q: WHAT DO I NEED TO QUALIFY?

A: To get a check advance, we only ask for the following:

  • Income equivalent to full-time employment
  • A local address
  • A drivers license or state picture identification
  • A local banking account
  • Your most recent bank statement (your bank can print one up if you don't have it)
  • About 15 minutes to fill out our information sheet and to go over our contract with one of our customer service specialists
Q: WHAT IF I JUST OPENED MY ACCOUNT?

A: As long as you have at least four weeks of activity on it, we can approve your new bank account.

USING OUR CHECK ADVANCE SERVICE WISELY

Our check advances are 14-day agreements. We deposit a customer's check automatically at the end of the 14 days unless the customer comes in and exchanges the check for cash or a money order. Here are some tips for using our check advance service wisely: