The purpose of a payday loan is to provide you with an opportunity to take care of any immediate financial needs that cannot wait until your next paycheck. Many people use these funds to cover utility bills, an unexpected auto repair, mortgage or rent checks that could bounce, or to buy a few groceries. Whatever your financial needs may be, we would like to offer some borrowing tips and other information that may be helpful to you.

1. Never use a "Payday" Loan to resolve a long term financial need.

2. Only borrow what you can comfortably repay by your next pay period.

3. Always pay the loan in full whenever possible.

4. If the office offers you the option to refinance your loan, always try to make a principal payment when you pay the finance charges.

5. No matter what credit limit you have established, only borrow what you need. The less you borrow, the less you will pay in finance charges.

6. When you have established a good payment history and would like to apply for a lower cost financing elsewhere, have us provide you with positive credit reference so you might secure a lower cost loan.

Do you want or need financial counseling?
There are a number of fine, non-profit credit and debt counseling services in this community that will help you set up a budget and make arrangements with your creditors if you find that you are having financial difficulties. We are always willing to work in cooperation with these agencies. They will review your monthly income and expenses and help set up a debt management plan.

You can find these agencies in the Yellow Pages under the heading:
Credit and Debt Counseling