Frequently Asked Questions

A cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose cash advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties.

At Dollar Loan Center, apply online for a short-term loan and your advance can be electronically deposited to your checking, savings account, or instant debit card funding*.

*Instant debit card funding available with most major card providers.

No! Dollar Loan Center is the leading authority in rapid cash loans for people with many types of credit scores. We’re not like the standard bank only able to lend to people with a perfect credit score.

Although we want to help absolutely everyone who applies, there are some circumstances that might prevent us from being able to approve a short-term loan. You will find on our FAQs page, we do our very best to find a method to help you when possible.

A credit score does not have an impact on a short-term loan or signature loan.

Fantastic! That is a perfect fit for Dollar Loan Center. We will only charge interest for the amount of time you need to have the money! You only pay interest the days that you have the loan.

Our FAQ page tells you there are never any upfront fees. This is a better deal than a payday loan where you would pay the same up-front fee, whether you need the loan for 6 days or 14 days.

Yes. However, we’re not looking for a perfect credit score to receive a signature loan or short-term loan. We do want to make sure that we are lending responsibly and protecting all parties involved from fraud on their signature loan.

We sure do!* We report your payment history monthly. If your payments are on time, that in turn can quickly raise your credit rating with the various credit bureaus.

That’s just another great reason to choose Dollar Loan Center over a traditional payday loan company.

*in Nevada only

Either way, you can apply and receive funds completely online. A checking account is necessary so we can deposit cash directly into your account.

We also offer instant funding, which allows us to deposit the money directly onto your debit card. The funds will be available for use within seconds. A working debit card is needed.

If you do not have a checking account, you can visit one of our stores to pick up your short-term loan cash. With almost 60 locations throughout Nevada, Idaho, and Utah, finding a store closest to you is easy!

See our locations page to find the store closest to you to get signature loan funding.

Each customer situation is different and the actual amount that we can lend can only be determined by fully processing the loan application, but we do make every effort to get you the amount that you request.

Absolutely! As your income improves or as you develop a good payment history your credit line may increase. Additionally, good payment history might affect your credit score, a short-term loan can have great benefits.

We are available any time you need financial help between pay periods. We urge all of our customers to use the short-term loan or signature loan responsibly keeping in mind that a signature loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with frequent budgeting issues, or to increase a credit score.

No. Unlike a traditional payday loan, Dollar Loan Center’s short term loan doesn’t hold checks or need any collateral for you to get a loan.

Dollar Loan Center doesn’t require you to have a checking account to set up a credit line.

Rates vary from state to state however Dollar Loan Center offers a highly competitive interest rate. We comply with all state and federal laws and guarantee to beat the rate of any “payday loan” company in your area.

If we can’t, your loan interest is FREE*. Check out the Dollar Loan Center Guarantee and contact the store nearest you for more information.

*FREE means that no interest will be accrued on the loan. You will still be required to repay the principal amount of the loan.

No, if you have established your credit line with us within the last 12 months, all that you have to do is bring in your most recent paycheck stub and we can process you a new cash advance in minutes.