Frequently Asked Questions (FAQ)

Payday Loans FAQs

What is a payday loan?

A payday loan is a short-term loan destined to cover the needs of the borrower until his/her next payday. In Illinois, a payday loan allows a borrower to pay off his/her loan in 180 days.


What happens if i pay off my loan before the expiration date?

There is no prepayment penalty. You only pay interests the days the loan remains open.


Is the borrower’s credit history checked?

No, there is not. We do not check the borrower’s credit history.


What is the approval process?

Once you fill out the payday loan application form in person or online, gather all your documents and head to the Des Plaines loan office. In case you cannot fill out your application form online, please, bring all your documents to our office and get your cash in minutes.


What is the interest rate?

Payday loans interest rates is approximately an annual percentage rate of 400%. Please, keep in mind that payday loans are scheduled for 180 days. For customer who build credit with us, we may be able to offer lower interest rates.


When are payments due?

Your first payment is due between the 13th and the 3th of the loan month. After that, payments will be made every two weeks.


Where is your loan office located?

Our offices are in Des Plaines, IL. Please, go to our contact page for more information.


Title Loans FAQs

What is a car title loan?

A title loan is an insured loan in which the borrower can use his/her car title as a guarantee to insure a loan. Car title borrowers temporarily yield his/her car printed title in Exchange for a loan sum.


Is there a credit check in place for the borrower?

We do not check your credit history. We approve title loans to people with good, bad or no credit.


How much money can I borrow?

The loan amount is determined by the wholesale value of the car along with the borrower’s monthly gross income. In the State of Illinois, you can get a loan of $ 200.00 up to $ 4,000.00.


How can I get approved?

After filling out a car title loan application form, you need to cover all the requirements and head to the Des Plaines loan office.  In case you cannot fill out your application form online, please, bring all the documents needed to our office for a quick cash loan approval.


What are the car title loan interest rates?

Car title loan interest rates are 100% to 360% in annual percentages. Our interest rates drop when the loan amount is higher.


When do I make payments?

Payments are due every month. If you get a car title loan the first day of the month, your first scheduled payment will be the first day of the following month.


If you need additional information, please, call us, chat with us or contact us thorough our contact us form.