Frequently Asked Questions

Q- Will my information be kept confidential during the application process?
A- We respect our customer's desire for privacy in managing their personal financial matters.  These loans are confidential between you and our company.   See our Privacy Policy for more details.

Q- How can I have my questions and concerns addressed?
A- We will provide friendly, helpful and professional customer service.  If you have a concern that is not resolved to your satisfaction by our management, we invite you to contact us at 1-800-867-1999.

Q- How does your no credit needed, quick cash, personal, short term loan work?
A- When your loan is approved, the money is deposited directly into your bank account by the next business day.  Once your loan is due, on your next pay day, it is paid back in the form of electronic check or debit card (Visa or MasterCard).

Q- How much cash can I actually borrow?
A- We arrange loans up to $1250 based on your income.  We want to help you as much as possible.  However, we wouldn't really be helping if we arranged an advance for more than you have the ability to repay.

Q- I know you say the application process is short, but how long will it take for me to actually get my money?
A- Once your application has been verified, the money is deposited directly into your bank account and available the next business day.

Q- How much will I be paying in fees?
A- Click here to view our Multi-Payment Loan Fee Schedule or Click here to view our Single-Payment Loan Fee Schedule

Q- What are the requirements to get a loan?

  • Active Checking Account for 30 Days or More (Direct Deposit required for Online loan).
  • Current Job for 3 Months or More.
  • Home Phone or Cell Phone.
  • Monthly Income of $800 (In Store) / $1000 (Online) or More after taxes and deductions.

Q- I am self-employed.  Can I still apply for a quick cash loan?
A- Self-employed, or people who work contract labor will not qualify for our program.

Q- I would like to use my Social Security as income.  Is this possible?
A- Yes, as long as it is $800 or more per month.

Q- I am not paid by direct deposit.  Can I still apply?
A- In Store: Yes.  Unlike most other lenders, we do not require that you be paid via direct deposit.  We do require that you have an active checking account that has been open for at least 30 days, but direct deposit is NOT required.  Online: Unfortunately, at this time, Power Finance Texas Online requires direct deposit.

Q- I only get paid monthly, can I still get approved for a loan?
A- Yes, you need to be aware that all of our loans are from the day you receive the loan until your next pay day.

Q- How do I apply for the loan?
A- There are two options:

Q- Are there benefits for recurring customers?
A- Special promotions for our V.I.P. customers are offered on a monthly basis as well as a special V.I.P. rate for loyal customers.

Q- Do you offer a referral bonus?
A- Yes, once you have opened an account, send qualified applicants our way and we will pay you a $50 referral bonus for each customer that opens an account.


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