Typical Questions Asked – Q & A

Q: What is the maximum loan amount?
A: It can vary, but generally the maximum loan is $1000.

Q: What if my credit isn’t so great or I don’t have one established?
A: Not to worry. If you meet the minimum requirements, chances are you’ll be approved.

Q: How long does the approval process take?
A: If you follow the steps correctly, once approved, the funds are usually in your bank account in less than 24 hours.

Q: How do I get the money once I am approved?
A: It’s simple. We have the funds deposited directly into your checking account.

Q: What are the fees?
A: Our typical 14 day loan has a fee of $ 25 per hundred, which has an APR of 651.79%. Note that the APR and fees will vary depending on the term of the loan. (See Fee Schedule.)

Q: How do I pay back my loan?
A: It is withdrawn from your account the same way in which it is deposited into your account. If we do not hear from you prior to your due date, we will debit the full amount of your loan on your due date.

Q: What if I need an extension?
A: If you cannot pay in full you can request an extension by either emailing us at customercare@direct-cash.org or by calling us at (888) 678-2999. You are required to pay at least the fees that are due. It is recommended though that you pay more than just the fees that are due, which shall reduce both the principal and the fees for the extension period. Your loan may not be “rolled over” or extended beyond twelve weeks after the day on which you made the loan.

Q: What if I want to pay off my loan early?
A: You may pay off your loan earlier than the due date without a pre-payment penalty. As well, you may be entitled to a refund of some of the finance charge.

Q: Can I cancel my loan?
A: You can cancel your loan by contacting our office by 5:00 PM the next business day. Should you wish to cancel your loan either email us at customercare@direct-cash.org or call us at (888) 678-2999

Q: Will anyone find out about my loan application? Is there a credit check?
A: We don’t put your application thru the standard typical credit check. Other than the use of verification services no one is disclosed your personal loan request except for the company that lends you the money.

Q: What if I have one or more loans outstanding, am I still eligible for a loan?
A: It depends on your income. If you have outstanding loan(s) we might want to see payments are made to payoff those loan(s) in order to receive a loan from us.

Q: What about security over the internet?
A: We understand the importance of protecting your right to keep information about you secure. Our site is fully protected by the latest in encryption technology. It’s virtually impossible for any outside source to compromise the security.

Q: Questions or Complaints
A: Should you have a concern, you can email us at customercare@direct-cash.org . You can call us toll free at (888) 678 2999. We will respond to your concerns promptly.

If you are a Utah resident you can contact the Utah State of Department of Financial Institutions at (801) 538 8830.