What is a Payday Loan?
A payday loan is designed to help you meet your short term financial needs, such as paying off bills and covering unexpected expenses. We offer payday loans between $100 and $500. Funds are deposited directly into your bank account the next business day (for loans that are approved by 3:30 PM Pacific Time). Loans are due on your next payday.  See Rates and Terms for more information.

Application Process:
Our application process is quick and easy! Just fill out our completely confidential and secure online application form - it usually takes 5 minutes or less. We process your application immediately and give you a decision immediately. There is no need to fax in any additional documents in most cases.

Cash In Your Account
We will deposit funds directly into your bank account the next business day if your loan is approved by 3:30 PM Pacific Time, Monday to Friday. Loans approved after 3:30 PM Pacific Time, or on weekends and holidays will be deposited into your account in two business days. For example, if your loan is approved on Tuesday at 2:00 PM, we will deposit funds into your account on Wednesday morning; if your loan is approved on Tuesday at 4:00 PM, we will deposit funds into your account on Thursday morning. When your loan is due, we will automatically debit your account for the amount of the loan plus the loan fee.

Requirements
We do not pull a credit report from any of the three "traditional" credit bureaus. Instead we look at your payday loan and checking account history using information from CL Verify and Teletrack.  Here are some of the requirements needed in order for you to qualify.

• 18 years of age or over
• US Citizen or permanent resident
• Washington State resident
• Employed 3 months or longer *
• Net monthly income of $1,000 or more *
• Not an active member of the military (or dependent)
• No more than two outstanding payday loans
• No past due or charged-off payday loans
• Valid phone number that can be verified
• Valid email address
• Valid checking account

* Also accepted are child support, alimony, disability and social security (alimony, child support or separate maintenace income need not to be revealed if you do not want it considered as a basis for repaying a loan)

What Does it Cost?

See Rates & Terms for more information on the fee and APR (annual percentage rate). All fees are charged in accordance with Washington State law.