• Are you a direct lender?
    • We are a direct lender. Working with a direct lender means you can be certain who you are working with and be certain we will not sell your information to other companies looking to make a loan offer to you. 
  • Are you a payday lender?
    • We are not a payday lender, we are an installment lender. Our loans are not different than an auto loan or a mortgage loan. With a payday loan, you are required to pay the full loan principal and interest in a single payment which can be difficult to do without needing to reborrow, trapping you in a cycle of debt.  With us, you can make payments over time which allows you to fit the payment into your budget. 
  • Do you report to the credit bureaus? 
    • We report payment history to Transunion, one of the 3 major credit bureaus. This means you can use our loans to build or rebuild your credit. You cannot do that with a payday loan as the credit bureaus will not accept their payment history. 
  • Are you legitimate? 
    • We are licensed to lend in Ohio and Kentucky and have passed multiple license reviews and examinations with no fines or borrower restitution. 
  • How much will my monthly payment be? 
    • Your monthly payment will vary depending on your loan amount but we size the loan amount and loan payment amount to fit within your budget. We do this so you can always repay your loan without the need to reborrow and still meet the other financial obligations in your life.  
  • Are you licensed? 
    • We are licensed to lend in Ohio and Kentucky and have passed multiple license reviews and examinations with no fines or borrower restitution.
  • What are the minimum requirements for a loan?
    • The minimum requirements for a loan are you must be 18 years of age or older, must be a resident of Kentucky or Ohio, must have a verifiable source of income and must have a checking account with a bank.
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