What is a payday cash advance/ payday loan?
A payday cash advance/ payday loan allows a customer to get a small amount of cash for a short period of time against his or her next paycheck or source of income. The customer writes a personal check and receives instant cash for that check. On the loan due date the check is either deposited, "picked up," or "extended"*. These flexible payment options allow for the needs of the consumer to be met better than conventional sources of consumer loans. A payday cash advance/ payday loan gives the customer the ability to meet their financial obligations immediately without worrying about paying late fees to creditors or paying bank fees for returned checks. A payday cash advance/ payday loan gives the customer a source for preserving their credibility. (*AZ only)

Is there a fee for the service?
Yes. The fee is competitive and in compliance with state and federal law. The fees vary from state to state and it is our goal to offer the customer the most competitive fee and the best service possible. There are no up-front fees paid ever by the customer.

What do I need to qualify?
Urgent Money Service has only two requirements. You need a verifiable consistent income an active open checking account.

What constitutes a verifiable consistent income?
A verifiable consistent income is one where a customer has (1) proof of full-time employment of at least 30 hours of work a week verified through the customer's last paystub or (2) receives benefits including retirement, worker's compensation, insurance benefits, trust fund benefits, disability benefits, and others that meet the associated criteria with each benefit.

How much money can I get?
The amount of money depends on your pay period, income*, and state in which you do business. In Arizona and Virginia you can receive from $50-$500,  and in South Carolina from $20-$300. (*for amounts above $300 income is used for basis of loan amounts).

How do I pay the money back?
The flexibility of payment options is set by each state according to individual regulators. In Arizona we can deposit your check on your next available payday, you can "pick up" the check on its due date, or you can "extend" the principle amount by just paying the fee up to three consecutive pay periods. In South Carolina and Virginia we will deposit your check on the next available payday or you can "pick up" the check and satisfy your debt in full.

What if my check is returned from the bank?
We have a collections department that will handle all issues of returned checks and will go through the proper legal procedures to collect on outstanding debt. We strive to work with all customers in setting up payment plans that will be acceptable to the customer and Urgent Money Service.

What are the benefits of using a payday cash advance/ payday loan service?
Consumers use payday cash advances/ payday loans as a short-term source of financing to help alleviate the burden of unexpected expenses.

What about the alternatives to payday cash advances/ payday loans?
Given the alternatives, such as bounced check fees, late payment fees or pawning personal possessions, payday cash advances/ payday loans represent a sound financial decision.

How do I know this is a credible and legitimate business?
We are state regulated in Arizona by the Arizona State Banking Department, in South Carolina by the South Carolina State Board of Financial Institutions and in Virginia by the State Corporations Commission. Urgent Money Service is obligated by law to abide by rules and laws set by these governing bodies and takes strict measures to adhere to industry leading standards.