Q: How much do you loan/advance?
A: The maximum amount we loan is $420. We also loan as little as $82 and different amounts up to $420.
Q: How many locations do you have?
A: Seven. We have locations in or near Ridgeland, Madison, Flowood, Brandon, Clinton, Pearl, North Jackson, South Jackson, and Byram.
Q: How long do I have to pay the money back?
A: Our payday loans are due and payable on your next payday. For your convenience we try and put the loan due date to coincide with your pay period. This will be discussed when we contact you after you fill out the application.
Q: How confidential is your service?
A: We do everything we possibly can to make sure your transaction is fast, easy, and confidential. We do not share your information with any other sources except as necessary to service your loan with us.
Q: Do you have to verify my employment?
A: Yes. This can be done with an up to date paystub that shows year to date earnings.
Q: What if I am self employed or receive income from the government?
A: This doesn not mean you cannot borrow money from us. We look at several factors.
Q: I have filed for bankruptcy in the past. Will this affect my ability to do business with A-1 Check Cashing?
A: No. Many of our customers have filed for bankruptcy in the past. If you are currently under Bankruptcy protection, we cannot loan you cash.
Q: Do you run a credit check/report?
A: Absolutely NOT. Most of our customers use us due to the fact he/she has had credit issues in the past.
Q: What if I have a lot of NSF charges on my bank statement?
A: We do not use this criteria to establish whether you can get a payday advance or not. Everyone of our customers has had NSFs on his/her bank statement from time to time.
Q: How long does it take?
A: You will be in our office about 20 minutes.
Q: How much cash can I get?
A: We look at each customer's criteria individually. Where you work, how long you have been there, and how much you make are several of the factors we look at.
Q: Can I get more cash the next time I come in?
A: Yes, once you establish a relationship with us, your credit balance increases.
Q: What if I don't have a checking account or have a brand new account?
A: You must have a checking account with printed checks (no starter checks) to get a payday loan. Checking accounts must show a deposit history from your employer. We do not accept checks from savings accounts.
Q: How much do you charge?
A: We charge a fee of @ 20% of the amount borrowed. For example, If you write us a check for $240 we will give you $200 cash and the fee is $40. The fee is due when your loan comes due.
Q: Do I have to fill out an application every time I want to get a payday loan?
A: No, after you have established business with us, all you need to do is just stop by your preferred location and write us a check.
Q: What if I live out of town or have an out of state checking acount?
A: We prefer that you live or work in the area. You must have a checking account with a local bank.