Frequently Asked Questions

Contact us for more information

Can I pay on-line?

We currently do not offer an on-line payment option. However, we do offer a check-by-phone option which can be used if you have your checking account number and bank routing number. This option is free. We can also accept debit card payments over the phone, but there is a convenience fee in our Georgia branches for this option. Debit card payments made in person do not incur a convenience fee. We accept all other traditional payments such as cash, checks, and money orders.

*Can I get a loan with poor or bad credit?

Having less than perfect credit does not disqualify you for a loan. We consider several factors when making a loan decision, and your credit history is only part of the decision. We understand life can throw you a curveball. In fact, since we report to major credit bureaus, if we do make a loan, you may be able to improve your credit score by making on time payments.

*How to get a loan?

To apply simply visit or call your closest branch.

What is an Installment Loan?

An installment loan is a loan with scheduled equal payments over a specified term. Your payment will be the same monthly, providing on time payments are made.

*How much will my payments be?

Payments will vary based on the loan size and terms of the loan. Contact your local branch.

*How much can I borrow?

Part of the decision process is determining your budget and what you can afford. Our loan sizes may vary depending on your state, but range from $100-$3000.

Do I need collateral? If so what type?

Yes, we use collateral to help secure your loan. Contact your local branch for what items can be used.

Can I use a title as collateral?

Yes, we make personal loans where we record a lien on a title to make the personal loan stronger, but we do not make loans based solely on the value of a vehicle. Additional collateral is required.

Do you prepare and file tax returns?

Yes, we offer free, no obligation estimates on tax preparation. That way you can decide if we are the best fit for your needs.

*How much do you charge to prepare and file tax returns?

We offer a wide range of tax products, and based on your personal needs the fee can vary. That’s why we offer a free, no obligation quote to all potential tax customers. We also offer a *Tax Advance loan to qualifying customers so you can receive your money once the IRS accept your tax return.

*Subject to our most liberal credit policies.