How much does a CheckExpress.com payday loan cost?
The fee for a loan is based on the term length of the loan and the amount borrowed. The APR formula is 15.0% for 1-10 day loan terms, 17.5% for 11-20 day loan terms, and 25.0% for 21-30 day loan terms. For example, a loan for $100 for fifteen days will have a fee of $17.50 totaling $117.50.

How long does it take to get approved?

Generally, if you meet all of our $500 payday loan qualifications, and if the payday loan application is completed online-and all of the required documents are faxed promptly, the approval process takes 1-4 hours (during loan processing hours of Monday-Friday 8:30am-3:00pm PST). If your application is incomplete and/or all of the required documents are not received by fax, the approval process can take up to 24 to 48 hours. All required documents must be FAXED as soon as possible once the application has been completed for faster service and verification. Required documents include: signed loan contract, ALL PAGES of last months bank statement (It must show at least 30 days of activity and payroll direct deposit.), and a copy of your personal check. Our fax machine is available 24 hours a day/7 days per week.

How do I get the money if I am approved?
If your application is approved by 3:00pm PST Monday-Thursday, your loan money will be processed through the EFT (Electronic Funds Transfer) system and post to your checking account as an ACH credit (direct deposit) the next morning. If you are approved on a Friday, the funds post on Monday morning. The actual time it takes for the money to post to your account once we have processed the credit depends upon your banks processing time.

Can I still qualify for a loan if I already have a payday loan with another company?
No. For your application to be approved, you must not have any current or outstanding payday loans. We use Tele-Track to verify whether you have any loans out with other companies.

Do I need Direct Deposit to qualify for a loan with CheckExpress.com?
Yes. You must have Direct Deposit into your checking account from your employer. The amount you will be qualified to borrow is based upon the net amount of your paycheck that is directly deposited into your checking account.

I have bounced checks in the past, can I still be approved for a loan?
We use Tele-Check to verify you do not have any outstanding bad checks. We must receive an approval code from Tele-Check to approve your application. Non-approval codes are generally issued by Tele-Check when you have bounced a check in the past and neglected to resolve it. This usually means you still have a balance owed with the company you wrote the check to, which resulted in your being reported. We also review your bank statement to ensure you do not have an excessive amount of negative activity. Since each customer’s checking account activity varies greatly, we determine what is meant by “excessive” on a case-by-case basis.

How will I know if I am approved or not?
We will contact you by e-mail or phone with the status of your application within 24 hours of the receipt of your faxed documents (not including weekends or holidays). Approved loan applications submitted before 3:00 pm PST Monday - Thursday will be electronically credited the following morning. Friday approved loan applications will be credited on Monday morning. Applications received on the weekend will be verified on Monday. Applications submitted on Federal holidays will verified be the following business day. Any applications submitted after 6:00 pm PST will be verified the following business day. Business hours are Monday-Friday 8:30am - 6:00pm PST.

Once my first loan has been paid back, when can I get another loan?
You are eligible for another loan once we receive verification that we have successfully retrieved funds from your account on the stated due date. It usually takes us four (4) days to receive verification that the debit has cleared your account. You can fax a copy of your online bank statement, or a mini-statement from your bank or ATM showing proof of payment deduction from your account to have your new loan request processed within this 4 day period. If you are unable to provide verification that your debit has cleared, you will need to wait the 4 days for us to receive verification before a new loan can be processed.

How do I repay my loan?
By signing your contract, you authorize us to electronically debit your checking account on your pay date of choice within a thirty (30) day period. The total amount borrowed (including the loan fee) will be debited unless a "Request for Extension" is submitted online by 3:00pm PST THE DAY BEFORE YOUR DUE DATE (not including weekends & holidays).

What will happen if the debit for repayment of my loan with CheckExpress.com is returned?
It is always best to call us and inform us of your situation if you become aware that our debit is being returned. If your debit is returned, you will be charged a $15 return fee. If your debit is returned more than once, you may be charged $15 for every return we receive up to $45 ($15 x 3 NSF). The first time your debit is returned, you will either receive an email or a phone call informing you of the status. Your account will be automatically scheduled for re-debit on your next payday. You may contact us during our regular business hours to discuss alternative arrangements, if needed. If your debit is returned a second time, you will be notified by mail. If we do not receive a response from you or we are unable to collect your payment after the 3rd electronic debit, your file will be sent to our Collections Department. You will then be reported to Tele-Check, Teletrack, the credit bureaus, and legal actions may be taken to retrieve uncollected funds.

What if I get paid "once a month"?
Your payment due date must not exceed 30 days. If your next payday is more than 30 days and funds will not be available, please submit a "Request for Extension" online ASAP. If you have difficulty because of your pay dates, please call 1-800-360-8884 for assistance.

How can I qualify for a $500 payday loan?
Our website pre-qualifies you online in the beginning of the application process. Some customers qualify for a $500 loan when they first apply with us. Others work their way up to $500 over time after having successful transactions with us. The amount you are qualified to borrow is based upon the monthly net amount of your payroll direct deposit. We usually review a customer’s file for a requested increase after three successful transactions for their qualifying amount. Increases are usually approved in $50 increments at a time. Immediate credit increases may be granted to those customers who fax two (2) pay stubs showing that they have had an increase in pay.

Once approved, will I have to fax all of the required documents each time I want another loan?
No. As an existing customer, future loans can be submitted online electronically, so there will be no need to fax! If your last loan with has been debited within 4 days, we do require you fax us proof that the debit cleared because it takes us 4 days from when your debit is processed for us to get confirmation that it has cleared your account. This can be an online statement or a mini statement from your bank or ATM. The only other time you should have to fax us anything is if you change your bank account. We will then need a filled out check from your new account with your signature on file.

What if I have a dispute?
All disputes, claims or controversies between the parties to this Agreement, including all disputes, claims or controversies arising from or relating to this Agreement, no matter by whom asserted or against whom asserted, including the validity of this Agreement and the obligations and scope of this arbitration clause, shall be resolved by binding arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim (s) is filed. This arbitration agreement is made pursuant to a transaction in interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Section 1 et seq. The parties agree and understand that they choose arbitration instead of litigation to resolve all disputes involving them, their agents, [servicers,] directors, officers and employees. This Agreement's arbitration clause applies to this Agreement and any other documents executed to further the loan being made under this Agreement. This Agreement to arbitrate applies to any preexisting claims between or among the parties and any subsequent claims that may arise between or among them.

Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, or at "National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405-0191." If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. You may select the person to conduct the arbitration from a list of arbitrators provided by the NAF. The complainant's and respondent's filing fees and the participatory hearing fee, whether the claim is brought by you or by us, will be paid or reimbursed by us if the amount of the claim is $5,000 or less. If the claim is for more than $5,000 the fees for filing and responding to the claim and for a participatory hearing, if one is held at your or our request, shall be paid in accordance with the Code of Procedure of the NAF, unless otherwise provided by the law or order of the arbitrator. In all instances, each party shall pay its own attorneys' fees except as provided by law or award of the arbitrator. Any participatory hearing will take place at a location near your residence.

THE PARTIES UNDERSTAND THEY WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT BUT HAVE AGREED TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION, EXCEPT THAT THE LENDER MAY CHOOSE AT LENDER'S SOLE OPTION TO SEEK COLLECTION OF PAYMENT(S) DUE IN COURT RATHER THAN THROUGH ARBITRATION. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT ACTION BY LENDER. The parties agree and understand that all disputes arising under case law, statutory law, and all other laws, regulations and otherwise, including, but not limited to, all contract, tort, and property disputes will be subject to binding arbitration in accordance with this contract.

IT IS YOUR AND OUR INTENTION IN CONNECTION WITH YOUR APPLYING FOR A LOAN NOT TO BRING OR PARTICIPATE IN ANY CLASS OR CONSOLIDATED ACTION OR ARBITRATION (WHETHER OR NOT SUCH ACTION OR ARBITRATION IS PART OF OR RELATED TO A REPRESENTATIVE ACTION) AS TO ANY CLAIM, DISPUTE OR CONTROVERSY EITHER OF US MAY HAVE AGAINST THE OTHER OR THE AGENTS, [SERVICERS,] DIRECTORS, OFFICERS AND EMPLOYEEES OF THE OTHER.

Servicers: The term "servicers" should be included only where the loan is being made by a bank in conjunction with a bank/servicer relationship, most generally under "rate exportation" arrangements.

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This web page is an ad and is an invitation for you to send us a payday loan application, and not an offer to make you a payday loan. We are based in Nevada and subject to the laws of that state. If you submit a payday loan application to us and it is approved, funds will be credited to you from our Nevada bank account. Nevada Payday Loan laws governing deferred deposit loans may differ from those of your state. If you choose not to enter an agreement based on Nevada law, please continue to look for a payday loan cash advance service provider in your area.