How it Works
Services
We provide low-cost short-term loans up to $410 for a fee.
Example: borrow $100 today and on your next payday pay back $120.
Typically, the loan is paid in full on your next payday. Repaying your loan on time unlocks your full potential to our credit services. Paying on time can lead to higher credit limits and more flexibility.
Choose any amount between $1 and $410 for fast funds delivered through your connected debit card instantly!
Funding
Fill out our online application
Connect your bank account through Chirp
Let our AI decisioning model go to work
Get funds delivered directly to your account
You will receive text messages to walk you through the process.
Everyone's situation is unique: sometimes an interview, conducted through text messaging, will be required to complete the approval process.
Repayment
Repayment is simple! Payments will be automatically withdrawn on your due date.
If you need to borrow again you can take out another loan instantly!
Cost
Fees range from 20% to 21.95% of the amount borrowed.
Example: borrow $100 and repay $120
To learn more about fees click here.
Disclosures
Military: If you are an active duty service member or a dependent of, we cannot provide you the rate you deserve. Our sincerest apologies, but you are ineligible for this loan at this time.
Returned Payments: No fees for initial failed payments. Payments returned by your financial institution for past-due accounts are subject to a $30 NSF fee.
Fraud: fraud is not tolerated. Being untruthful on a loan application is a crime and my be prosecuted by local, state, or federal authorities.
Hours of Operation
Normal operating hours are Monday thru Friday from 9 am to 5 pm.
Self-service hours (for established customers only) are 24/7 | 365!
The following is a list of maximum fees allowable for services that may be offered at this business:
Delayed deposit transaction:
$20.00 per $100.00 advanced for checks with a face value $249.99 and under and $21.95 per $100.00 advanced for checks with a face value over $250.00 .
Mississippi law prohibits this business from accepting a fee to renew or extend any delayed deposit transaction. Therefore, a delayed deposit check must be deposited or the check face value paid in full prior to entering into another delayed deposit transaction.
This business is licensed and regulated by the Mississippi Department of Banking and Consumer Finance. If you have any unresolved problem with a transaction at this location, you are entitled to assistance. Please call or write: Mississippi Department of Banking and Consumer Finance, P.O. Drawer 23729, Jackson, MS 39225-3729; Phone 1-800-844-2499.