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Frequently Asked Questions


Q: Do I have to be a resident of Albuquerque, NM, Los Lunas, NM, Amarillo, TX or El Paso, TX in order to qualify for a Single Lump Sum Loan or Installment Loan?
A: Yes you do have to be a resident of the above cities or live within a 30 mile radius in order to qualify for a loan.


Q: Can I get approved for a loan and get the cash in my account without having to come into a location?
A: Yes and No. You can get qualified for a loan online, but once approved for a loan you will need to bring all the appropriate documents into a location to finalize your first loan. Once you are an established customer, you can make payments or renew your account to receive money online.


Q: Do I have to have a checking account in order to get a Single Lump Sum Loan or Installment Loan?
A: Yes it is a requirement to have a checking account in order to obtain a Single Lump Sum Loan or installment loan. We do not accept savings accounts or prepaid visa cards or master cards. If you have a clear car title you may always apply for our title loan or secured installment loan.


Q: I would like to use my Social Security as my income. Is that possible?
A: Yes, as long as it is $600 or more per month and the Social Security is specifically for you and not a child.


Q: I am Self Employed. Can I still apply for a loan?
A: Yes. If you are Self Employed or contract labor you can still apply. The documents you will need to supply are at least one of the following: 1099 statements, Schedule C Statements, or quarterly statements. If you do not have any of these tax documents we will be unable to process your application.


Q: I am not paid by direct deposit. Can I still apply?
A: Yes. Unlike most companies we do not require that you be paid by direct deposit. We do require that you have an active checking account that has been open for at least 30 days, but direct deposit is NOT required.


Q: Is it acceptable for my employer to write me a letter in place of my paycheck stub?
A: No, your paycheck stub must be computer generated showing your taxable income.


Q: I do not have any utility bills in my name. Can I bring in another bill?
A: Unfortunately, it is a requirement to have a utility bill in your name. We accept several utility bills such as cell phone bill, home phone bill, gas or electric bill, cable, water, or current lease. No other bill can be accepted.


Q: I am on unemployment/workman's comp. Is this acceptable income?
A: No. It is required to have permanent, verifiable, taxable income such as full time job, social security, or retirement.


Q: My vehicle has a salvaged title. Will I be able to use this to get a loan?
A: No. We do not accept salvaged title's as security for any of our loan's we currently offer.


Q: What does an active checking account mean?
A: In order for your account to be considered an "active" checking account, you must have at least one deposit or one withdrawal. If there has been neither of these transactions during a 30 day period, it will not be considered "active".


Q: Must I have a blank check from my checking account?
A: If you are a resident of Texas and applying for a Single Lump Sum Loan it is a requirement to provide a blank check to qualify for a Single Lump Sum Loan. It can be either a temporary check or a permanent check. If you are a resident of New Mexico and applying for an Installment Loan it is not a requirement to provide a check. You will need to provide correct accounting numbers and routing numbers. This can easily be obtained by providing a blank check.


Q: How much can I actually borrow?
A: Our loans are up to $1000 based off your monthly gross income (and vehicle loan value on loans secured with a title). We want to help you as much as possible. However we wouldn't be helping you if we loaned you more than you are financially capable of repaying.


Q: How long does it really take for me to get my money?
A: This depends. If you are applying online you will be approved as quickly as 1 business day. If you choose to go directly to a store location you can be approved in as quick as 15 minutes.


Q: What are the requirements to get a loan?
A: Single Lump Sum Loan/Installment Loan

  • Local Checking account active for 30 days
  • Verifiable Income
  • Utility Bill in your name
  • Valid Driver's License or State ID
  • Social Security Card

Title Loan

  • Clear Car Title
  • Registration
  • Proof of Insurance
  • Spare set of Keys
  • Verifiable Income
  • Utility Bill in your name
  • Valid Driver's License or State ID
  • Social Security Card

Q: What documents do I need to bring in?
A: Single Lump Sum Loan/Installment Loan

  • Most Recent Checking account Statement
  • Most Recent Paystub or Award Letter
  • Most Recent Utility Bill
  • Valid Driver's License or State ID
  • Social Security Card
  • Blank Check

Title Loan

  • Clear Car Title
  • Registration
  • Proof of Insurance
  • Spare set of Keys
  • Most Recent Paystub or Award Letter
  • Most Recent Utility Bill
  • Valid Driver's License or State ID
  • Social Security Card
  • Bring in the Vehicle as we need to inspect the vehicle to make sure that the vehicle is in running condition.

Q: Will my information be kept confidential during the application process?
A: We respect our customer's desire for privacy in managing their personal financial matter. These loans are confidential between you and our company. See our Privacy Policy for more details.

Q: Do you offer a referral program?
A: Yes. If you refer a friend or family member not living with you and that applicant gets approved for a loan and takes that loan out, you will get $20 per applicant that you refer.

 
 
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