FAQ's

Loan Overview

 

How do I apply for a loan?

Apply In Store or Over the Phone

Visit any of our Store Locations to fill out a simple application. If you are approved for a loan, you'll be funded the same day!

You can also call any store to get pre-qualified, then visit our store location to finalize the loan (pre-qualifications are not a guarantee for a loan).

 

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What items do I need to apply for a loan at a store?

You will need to bring the following items to our store after completing a loan application:

 

For Payday or Installment Loans

• Driver’s license, state-issued ID, or US passport showing that you are a United States citizen that is at least 18 years of age.

• Proof of employment or other income.

• Recent Bank Statement showing an open and active checking account(in Louisiana and Wisconsin, you may provide a recent bank statement for a  savings account).

 

For a Title Loan

• Driver’s license, state-issued ID, or US passport showing that you are a United States citizen that is at least 18 years of age. (add this as an exception possibly at bottom). If your driver’s license does not match the address on your title, a utility bill with matching address will be needed.

• Proof of current employment or other income (paystub, etc.)

• Open and active checking account (in Louisiana, can be a savings account)

• Your vehicle and its keys

• Your lien-free car title

• Proof of insurance and registration

• Members of the military and those who have recently filed for bankruptcy are not eligible for a loan with us.

 

In rare circumstances you may be asked to bring in additional documentation.

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Does it matter if I have bad credit or no credit?

For a cash advance, it does not matter if you have bad credit or no credit at all. Our loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.

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Why are there several different business names on this website? 

We own and operate in several states and under several different business names. We utilize this site www.FlexibleFinanceLoans.com, as a place to display all our store locations, rates, products, etc. Below you will see the state and the list of different business names that we own and operate.

 

California

California Cash Advance, Pacific Cash Advance, L.L.C., and L.A. Cash Advance.

 

Missouri

Advance Loans.

 

Louisiana

Flexible Finance, Alexandria Cash Advance, Carrollton Loans, Crown Loan, Delta Payday, Eastbank Cash Advance, Gulf Payday, Louisiana Cash Advance, Marrero Cash Advance, Monroe Cash Advance, Read Cash Advance, Ready Cash Advance, Shreveport Cash Advance, Southern Payday, Tulane Cash Advance, Tulane Loans, and Westbank Cash Advance.

 

Wisconsin

Flexible Finance

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How do I contact you?

 

The fastest and easiest way to get in contact with us is to contact a store directly. Please look on our LOCATIONS map and select the state in which you reside. From there, please click on the most convenient store for you. A local Customer Service Representative would be happy to help with any questions you may have regarding your current account or a new loan.

 

Write to us at:

Customer Service

PO Box 725

Fenton, MO 63026

 

Our toll-free Customer Compliment and Complaint line is below. Please leave your name, phone number and store location, and someone will return your phone call, usually within one business day.

1-877-386-0561.

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Do I need collateral to apply for a loan?

Title loans – Yes, collateral is needed. It must be a free and clear title.

Cash advance or Installment Loan - No collateral is necessary or accepted for our cash advance or installment loan product.

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Loan Information

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What's the difference between a cash advance (payday loans), installment loan, and title loan?

Payday Loan - Loan amounts typically range from $50- $500 and vary depending upon in which state you reside. They are short-term loans that are due on the borrower’s next payday. Loans are unsecured and typically require a credit check.

 

Installment Loans - Typical installment loans carry a higher loan amount, ranging from $500 to thousands of dollars. Principal, interest and other finance charges are repaid in equal fixed installment payments over a specified period. These loans generally require a credit check.

 

Title Loans - These are very similar to installment loans, but they are secured by using the borrower’s vehicle title as collateral. Borrowers who receive title loans must allow a lender to place a lien on their car title. When the loan is repaid, the lien is released, and the car title is returned to the owner. Title loans would typically be used when a person doesn't qualify for an installment loan or needs to borrow more money than is typically offered in our installment loans. Title loans have fixed payments, which are typically 12-24 months. Title loans typically require a credit check.

 

Note: The products and dollar amounts mentioned above vary by state. Please visit our LOCATIONS page to see what products and dollar amounts are available in your state.

 

Is there any cost to apply for the loan?

No. You will not be charged to apply for the loan, whether or not you are approved. Plus, with our satisfaction guarantee, you won't be charged any fees if you change your mind about the loan within 24 hours.

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When will I receive my loan?

If you are approved for a loan inside a store, you will receive your loan proceeds almost immediately.

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Payment Information

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When do I have to repay my loan?

Your loan payment date will be clearly disclosed in your loan documents. Time frames also vary greatly depending upon whether you have a payday loan or an installment loan.

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Payday loans are paid back based upon your pay frequency. Payday loans typically have a 14-day term; however, you may repay your loan any time prior to your due date penalty free.

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Installment loans are repaid in equal payments during an agreed upon time period. You can choose the duration, typically 6-12 months, for most customers. Payments are set up as a monthly payment that falls on one of your pay dates.

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How do I repay my loan?

Loans may be paid via ACH, cashier’s check, cash, money order or debit card (Visa or MasterCard only).

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If I pay my loan early, how does that affect my finance charges?

Finance charges are computed using simple daily interest. Consumers may pay the loan off at any time without penalty. Paying the loan off early will reduce the total amount the consumer pays. Please contact one of our locations for more details.

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What happens if I fail to make a timely payment on my loan or credit services transaction?

Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:

 

Financial Implications - You may be assessed a late fee if you fail to make your payment by a specified period following its due date and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid. Late fee and returned item fees vary by state – see your transaction agreements for additional details.

Impact on Your Credit Score – In Missouri and Wisconsin, our Installment and Title Loan payment activity are reported directly to Transunion Credit Bureau and alternative credit reporting agencies, such as the PRBC. Failure to make timely payments on your loan may reduce your score with credit reporting agencies and prevent you from receiving credit or other services from a provider that uses such agencies.

 

Renewal of your Loan - In states where loan renewals are allowed, payday loan renewals require a reduction of the loan principal to be paid in addition to the finance charge. In connection with any renewal or refinance, you will be required to e-sign new transaction agreements for such renewed or refinanced transaction and our standard rates for loans or credit services transactions will be assessed on such renewal or refinance (varies by state – see posted fee schedules).