Q: How long before I know if I'm approved?
A: We work quickly on all our applications to have them approved and have the cash deposited in your bank account in a timely manner. You will receive an email once a decision has been made.

Q: If I am approved, how do I get my money?
A: We deposit the cash directly into your personal bank or credit union account.

Q: How do I pay you back?
A: We debit your bank account on your next scheduled pay day for the full amount including principal, fees and any other charges.

Q: What are my payment options to pay you back?
A: Your loan is set to be paid in full. We do not offer any other payment option.

Q: I have a small pay cheque this time; can I skip my payment till my next pay?
A: A payment can not be skipped.

Q: Why do I receive emails from your company?
A: For your convenience we will send you an email to inform you; if you are approved or declined for a loan, payment reminders, payment confirmations, collection notice (if necessary), responses to your inquires, and promotions. If you are not receiving any of these emails please check your spam/junk email folder. We may also not have your email address on file. Please contact the office to double check the information regarding your email address on file.

Q: When I pay off a loan, how soon can I receive another loan?
A: It takes 4 (four) business days for your payment to clear the bank. Once the payment clears, we can issue you another loan. If you would like to receive funds before the 4 (four) business days you can return to our website and click on our "Screen Shot Utility" on the main page and follow the instructions to provide us with a screen shot of your online banking so we can see that our payment has cleared and process a new loan for you. Keep in mind that a payday loan is intended to be a small short-term loan and is not intended as a solution for longer term financial needs. We recommend you see a credit counsellor if you are having financial problems.

Q: Can I change from a loan payout to a loan renewal/paydown plan?
A: Your loan needs to be paid in full on your next payday. We do not offer loan renewals or paydown options.

Q: I don't want my employer to know I'm applying for a loan. Do you have to verify my job?
A: We provide you with several options in order to verify your employment. However, we may need to call and speak with your Human Resources department. Our staff is very discreet when verifying your employment and do not disclose where we are calling from.

Q: Can I borrow more than once in a pay period?
A: You are only allowed to borrow one time per pay period, even if you do not request your maximum limit amount.
(Alberta residents only) are able to borrow more than 1 (one) time per pay period provided you stay within your borrowing limit.

Q: How much can an existing client borrow?
A: From $50 up to $1500. (Subject to approval)

Q: Can you approve me today, even if I don't want the money right now?
A: You can be approved today but not want any cash until next week. Your approval is good for 45 days. When you do decide to get the loan, we will confirm that your information is still accurate and then open your file.

Q: If I don't qualify for the amount requested, can I get a different amount?
A: Our client's loan limits are calculated on a point system, depending on that system we evaluate how much you qualify for and we will issue a loan up to that determined limit.

Q: When should I use a payday loan?
A: Due to the higher fees involved, a payday loan is intended to be a small short-term loan that is not intended as a solution for longer term financial needs. You borrow as much money as you can afford to fully repay when the payment is due. If you need to borrow money and feel it will take longer to repay, you should explore other lending options such as: asking a friend, asking an employer, asking a family member, obtaining a bank overdraft, a line of credit, cash advance on a credit card, or consolidating your debt at your bank or financial institution. We recommend you see a credit counsellor if you are having financial problems. Non-profit Credit Counselling services can be found in your local phone book, or visit the following website at: Credit Counselling We recommend that you make extra principal payments to pay down your loan faster.

Q: What if I want to pay early?
A: You may pay early. However, the fees will be the same if you had the loan out for one (1) business day to thirty-one (31) business days.

Q: What if I can't repay my loan on the due date?
A: You must contact us immediately to set up payment arrangements. If your payment comes back for any reason from the bank and you have not contacted us - we may initiate collection procedures immediately.

Q: I am receiving Disability Assistance or a Pension. Do I qualify for a payday loan?
A: At this time, our lending requirements are based on active employment income.

Q: I do not receive emails from your company, why?
A: To make sure you are receiving all of our emails; please add our customer service email address, found on our "contact us" page, to your contact list in your address book.
If you are with one of the following email providers listed below, click on the link and it will direct you to instructions on how to add our company email to your address book.
• Gmail Users
• Yahoo Users
• Hotmail Users