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Call us today!
(209) 234-3939
Call us today!
(209) 234-3939

FAQ

Q: What is a payroll loan?
A: A payday loan is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses, while avoiding costly bounced-check fees and late payment penalties.
Q: What can a payrollloan be used for?
A: Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.
Q: How do I qualify for a payroll loan?
A: You should meet all of the following requirements:
  • Currently employed (or receive regular income)
  • Make at least $850/month
  • Be 18 years of age or older and a U.S. citizen
  • Live or work in the following cities:
    • Stockton
    • Lathrop
    • Manteca
    • Tracy

Q: What information do I need to complete the application?
A: Come down to one of our two locations.  You will need the following information with you to apply:
  • Valid photo ID
  • Checkbook
  • Most recent paystub or proof of regular income
  • Most recent 30-day bank statement (checking account)
  • Utility bill or other mail within the last 30 days to verify current address

Q: Does being a tenant influence my eligibility?
A: Whether you rent or own your home, it does not affect your eligibility for a payroll loan.

Q: Can I have more than one payday loan at a time?
A: Yes, but only one payroll loan at a time per licensed company.

Q: Do you contact current or former employers?
A: We verify employment but operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Q: When will I receive my payroll loan?
A: Your application will be processed on the spot, and upon approval, the loan will be given to you immediately in cash.

Q: When will my loan be due?
A: Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next pay date.

Q: What if I want to pay back my loan early?
A: Contact us if you wish to pay off your loan before the scheduled due date.  There are no prepay penalties.

Q:How often can I get a payroll loan?
A: We are available any time you need financial assistance between pay periods. We encourage all of our clients to use these loans responsibly and keep in mind that a payroll loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.

Licensed by the California Department of Business Oversight pursuant to the Deferred Deposit Transaction Law.

Contact Information

Payroll Loans

3538 Manthey Road
Suite D
Stockton, CA 95206


Located Near
Food-4-Less

Phone: 209-234-3939

Fax: 209-234-3955

Business Hours:
Monday-Wednesday: 10 A.M. - 6 P.M.
Thursday-Friday: 10 A.M. - 7 P.M.
Saturday: 10 A.M. - 4 P.M.
Sunday: Closed

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