Frequently Asked Questions


Q: How do I get started?

A: You can start the process immediately by calling toll free 1-855-679-0726
Q: What is a PAYDAY LOAN?
A: a) Pay the interest to extend the loan until your next payday
    b) Pay the loan in full. It's always your choice
Q: What do I need to qualify for a loan?
A: You must have an open and active Checking or Savings Account (preferably with Direct Deposit), be 23 years of age, be a U.S. Citizen, have at least $1,000 per month of steady verifiable income, and have a current permanent residence.
Q: Do I need to have good credit to get a loan?
A: No.
Q: Do you check my credit?
A: We do not run a credit check with the three major bureaus, TransUnion, Equifax or Experian. However, we do use Teletrack. Teletrack is a consumer reporting agency that specializes in the sub-prime industry.
Q: When will the loan be due?
A: Generally, on your following payday or you may pay the finance charge and extend the loan until your next payday.
Q: How much can I borrow?
A: Up to $500.00. (Contingent upon income level and various underwriting criteria.)
Q: When will I receive my loan?
A: If all information is received by 1:00 p.m. and can be verified, you will generally receive your money on the next business day.
Q: When will I hear from you?
A: You will hear from us within one (1) business day or sooner upon receiving the necessary information. We will contact you with a loan offer or email you for missing information. We are closed on weekends and holidays.
Q: How will I know if I'm approved?
A: We will contact you with a loan offer. If denied, you will receive a notice by mail.
Q: Can I extend the loan?
A: Yes, after 4 renewals you will be required to pay down a portion of your loan plus any finance charges.
Q: Once paid off, when can I get another loan?
A: You must wait three (3) business days. We may ask you to prove that the previous loan has been actually paid in full by providing us a bank statement showing proof of a non-pending payment.
Q: Can I pay off the loan at any time?
A: As long as you pay the interest when the loan comes due, you can continue to extend the loan until your next payday. It's your choice. * Delaware law limits the number of rollovers to four per existing loan. Following the maximum allowable number of rollovers, the borrow must repay a minimum of 10% towards the principal per payment period.
Q: Is there a penalty if I pay the loan off early?
A: No. You only pay interest for the days you have the loan out.
Q: If I don't fax in all the necessary information, will the application be processed?
A: The application will be considered incomplete and we will call or email you for the missing information.
Q: What is the fastest way to process my application?
A: Complete the application, print it, and fax it with your most recent bank statement (within 30 days), voided check, and most recent pay stub...all at once.
Q: Can I print and fill-out an application?
A: Yes. Select the following link PDF of Application, print, fill out, and sign. Attach your pay stub, bank statement, and voided check and fax to 1-855-679-0726
Q: Are residents of all states eligible to receive a loan?
A: No. These services do not constitute an offer or solicitation for short-term loans in all states. These services may or may not be available in your particular state. The states this site services may change from time to time without notice. Borrower is responsible for complying with any local statutory obligations that may exist in their state or area with respect to any transactions with Fresh Start Payday Loan. Loans are not available to residents of Georgia, Kansas, North Carolina, and West Virginia. Please be advised, any borrower relying on the laws or regulations of his/her home state to borrow only from a lender based in that state.
Q: How do I get started?
A: You can start the process immediately by calling toll free at 1-855-679-0726

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Loan Assistance

Cash advances are also commonly referred to as Payday Loans, Payday Advances, Payday Advance Loans and Fast Cash Loans.

CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
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