• have a source of income, verifiable in states where required;
• have a valid checking account in your name;
• have two current (and valid) telephone numbers;
• social security number;
• be over 18.

Lines of credit can be issued if you satisfy all the listed above requirement for payday loans, but you also have to not be in active duty military status, or the spouse or dependent thereof. But you have to note that lines of credit are only available in Kansas. So basically only very few customers can get such a loan.

As you can see for all available options you have to be employed, as otherwise your source of income can’t be verified, so unfortunately unemployed customers will not be able to get money in this company.

Application

To apply for a loan you don’t need any documents. You provide basic information about yourself and your income, and after that, you can send your application for review of the company. So there won’t be any problems with filling in the form. However, Cash Central warns that in some states proof of income in mandatory according to the law, so you will have to provide references and documents to the lender.

There is no information about whether you will need the guarantor, but when filling in the application you have to provide 3 contact persons with your family, friends or co-workers. This is not very convenient since not all people can have so many friends and relatives to put them as contact persons.

Time for reviewing your application is not specified either. In the «FAQ» section there is information that approval can take long enough time, so be ready to wait for some hours or even days. The money is issued in moments after approval, but also this is not always so. In general, the money is issued on the next working day. If you apply on Friday, Saturday or Sunday, you will be able to get money only on Monday. You can make this process faster, if you get a special Green Dot prepaid card, as was said in the previous point. Via this card, you can get your money on the same day as applied. If you don’t have such a card and don’t want to get one, be ready to wait for up to 3 – 4 days before you get your money.

Repayment

To pay back your loan you only need to necessary amount of money to your bank account. The company automatically withdraws payment from your account on the due date. So you don’t have to waste your time visiting the office and paying the loan. However there are other options available, to learn more you need to contact the company by phone.

If you don’t have the opportunity to pay back on time, you need to contact the support group several days before the due date. The company offers several options for such situations: courtesy extension (the link provided in the «FAQ» section), refinance loan. So as you can see the company tries to satisfy customers need and doesn’t charge any fees for late payment if you inform it about your financial difficulties.

You also have the opportunity to pay back your loan early or make payments before the due date. For this, you will have to choose the appropriate option in the «Customer’s Section» or call the support our website group. All details are given in the «FAQ» section. Besides you can make payments to reduce your principal in the «Customer’s Section» – all information is also in the «FAQ» section. No fees for early repayment are charged.