Q: When will the payments be due?
A: : In most states, the loan will be due on your next payday. XtraCash, LLC complies with all federal and individual state laws regarding loan terms, amounts, and costs.
Q: How much can I borrow?
A: Loan amounts range from $100 to $500 and are available in $25 increments. In Louisiana, loan amounts range from $100 to $350 and are available in $25 increments. The amount you can borrow is contingent upon income level and various underwriting criteria.
Q:How much does this XtraCash loan cost?
A: Please click on your state link below to find the cost of your XtraCash loan. The costs and APR are based on a 14-day loan term. Depending on state laws, the costs and APR may vary if the loan term is shorter or longer than 14 days.
Q: When will I hear from you?
A: You will hear from us via email within one business day or sooner upon receiving the necessary information. We will contact you with a loan offer or email you for additional information. If you have any questions, please contact us at firstname.lastname@example.org. To ensure you receive our emails, please be sure to add email@example.com to your safe sender email list.
Q: How will I know if I'm approved?
A: We will email you with instructions within an hour if your loan has been approved. If your loan is denied, you will receive a denial notice via email within one business day.
Q: When will I receive my loan?
A: If all information is received and can be verified by 3:00 p.m.Monday through Friday, you will generally receive the money in your account thesame business day. If the information is received after that time, on weekends, or on holidays, you will generally receive the money in your account the nextbusiness day. You will receive an email from us when the money has been deposited into your account.
Q: May I have more that one loan at a time with you?
A: No. Regardless of the state you live in, you may only have one loan outstanding with us at one time. In Florida, per Florida law, Florida credit union members may only haveone loan outstanding with all payday lenders at any one time.
Q: After I pay off my loan, may I get another loan?
A: Yes. You may get another loan at any time as long as your last loan has been paid in full and your particular state law allows such loans. In Florida, per Florida law, Florida credit union members must wait 24 hours after the loan has been paid in full before applying for another loan.
Q: What happens if I change my mind after taking out an XtraCash, LLC loan?
A: You are able to undo the transaction at no cost to you before the end of the following business day by returning the full principal amount of the loan to us.