Learning & Resource Center


We believe it is important that we help our customers when they need cash fast and provide them with information they can use to improve their financial position. That is what it means to be a neighbor you can count on.

Frequently Asked Questions

How much money can I get for my first payday advance?

It's based on your net income. For the first three loans the maximum if you qualify will be $300.00. After the third loan you can borrow up to the maximum based on your net pay.

What are my options to get cash?

Express Cash offers a variety of ways you can get the cash you need. If a Payday is best for you, the amount you can borrow is based on your income. If a loan is not best, Express Loans also offers ways to turn the things you own into cash. If you have gold items or coins we will loan you an amount based on the current value of the gold. If you have other items of value Express Loans offers Pawn Loans based on the value of each item. The best way to learn how much cash you can receive is to visit the Express Loan location nearest you and talk to your friendly hometown Express Loan representative.

What do I need to do?

PREVIOUS CUSTOMERS that have applied for a loan within the last (six months) you simply need to update your information. You can apply on-line by clicking here: APPLY ONLINE or simply download the form here DOWNLOAD APPLICATION and bring the completed form with you when you visit your hometown Express Loan location.

NEW CUSTOMERS to Express Loans can apply on-line by clicking here: APPLY ONLINE or simply download the form here DOWNLOAD APPLICATION and bring the completed form with you when you visit your hometown Express Loan location.

REMEMBER TO ALSO BRING WITH YOU:

  • Your most recent pay stub or form of income
  • Your most recent bank statement
  • A check from your checking account
  • Three local references with address and phone number
  • Two forms of I.D.
When is my payment due?

Payday loans are due on your next payday. If you get paid weekly we can give you two week's. If you get paid monthly it will be due back on your monthly scheduled day you receive your income. If you get paid every other week then you would be due biweekly on your payday. Your hometown Express Loan representative will work with you to set the payment schedule with you.

Do I need to have a checking account?

Yes we do require our customers to have a checking account that has been open for a minimum of 30 days.

Is a credit check required before I can rent an item or purchase through a rent to own program?

No, we don't do a credit check.


Managers' Tips

  • Be sure to bring all the paperwork with you when you visit the store to ensure you can get your cash quickly, and avoid a second trip.
  • Paying on time makes it easier if you need cash again.
  • Always call if you have a question.
  • Don't have a bank account? Use us as a credit card reference.
  • Avoid overdraft fees by taking out a cash advance.
  • Refer family and friends, and we will give you $10.00 for every referral.
  • Take care of little things before they become big things.
  • It's cheaper to purchase one of our services than it is to incur an overdraft fee.