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Responsible Lending

What is a Short Term Loan?

We offer short term loans which are intended to provide just enough money to help you with expenses until you receive your next pay or other verifiable income. Typically, a short term loan does not exceed $1500 and is repaid within 2 weeks, on the same day you receive your income.

Is a short term loan the right option for my situation?

A short term loan can be a good source of financial assistance when used responsibly. Many people find this type of loan helpful for:

  • Paying bills on time
  • Helping to cover sudden and urgent expenses, such as medical bills
  • Ensuring that a check does not bounce

If you find yourself in a position where you are consistently having difficulties meeting your financial obligations, then our product is NOT for you.

How does practice responsible lending?

At, we try to ensure you do not borrow more than you are able to repay. Your first loan will not exceed 30% of your net income. Once you become an established customer and consistently repay your loan on time, the maximum amount you can borrow may increase. Still, your net income is always considered a big part of how much you are able to borrow from us.

To ensure you do not fall into a debt trap,, does not allow customers to rollover or extend their loan term. The purpose of a short term loan is to provide short term assistance in an emergency. If you are short on cash and in danger of bouncing a check, a short term loan may be a cheaper solution than paying bounced check and possible reconnect fees., will always send customers a reminder via email and/or SMS two full days prior to their repayment date. This is sent so that arrangements can be made to ensure the payment will be available, avoiding NSF charges.

We are very upfront about our fees. displays the exact amount and description of fees on our website as well as our loan agreements. You will never find a hidden cost or fee when using

What can I do to ensure I use my short term loan responsibly?

  • Never use a short term loan for a long term financial challenge.
  • Never borrow more than you will be able to pay back in full on your repayment date.
  • Do not borrow from a lender who does not practice responsible lending.
  • Ask questions. If there is any part of the process or fees involved with getting a short term loan that is unclear, please contact us.

What can I do if my financial obligations become overwhelming?

If you obtain a short term loan from us and discover that you are unable to repay it due to your financial circumstances, please contact us and we will do our best to find a solution that fits your situation.