Kansas / Missouri FAQs
If approved, your initial Line of Credit issued will be between $200 to $1,000. You may be eligible for a credit limit increase depending on your payment history, income level and various underwriting criteria up to $1,500.
The APR rate on your new Line of Credit is 444%. Complete disclosures of APR, fees, and payment terms are provided within the Line of Credit Disclosure and Account Agreement.
Once your application is received, you will receive an email asking you to provide “requested items/information”. You can login “here”. Once you have provided everything requested and it has been reviewed, you will receive one of two emails – either an approval email or an adverse action denial email.
Kansas residents can either receive:
- Receive funds via an electronic ACH deposit into your bank account the next business day.
- Come to our storefront location to receive a check that you can deposit or cash at your financial institution, or cash at our financial institution free of charge.
- Instant deposit to your debit card if your debit card allows such.
Payments will be due every pay date via an electronic ACH withdrawal or via debit card, unless other arrangements have been made. Payment amounts will vary each billing cycle. Refer to your billing statement for exact payment amount. New billing statements will be emailed the day following your previous payment due date.
There is no pre-payment penalty to pay off the loan at any time.
It is never necessary to re-apply. Even if your balance is 0, your account will remain open and your credit limit available as long as your account is in good standing.
If your account is in good standing, you may request an advance up to your available credit limit. Advances may be requested in person, online or by phone.
Based on good payment history, your account may be eligible for a possible credit line increase.
You are able to undo the transaction at no cost to you before the end of the following business day by returning the full principal amount to us.