Frequently Asked Questions

Payday FAQs
Q How do Payday Loans work?

A A Payday Loan, also known as a cash advance or payday advance, is a short-term loan, generally for $500 or less, that is due on your next payday. It allows you to borrow money against your checking account or payroll debit card. These loans are designed to cover short-term financial obligations.
Q How do I get a Payday Loan?

A To get a Payday Loan, you must first fill out an application in one of our store front locations or you can apply online. Below is the information we require to approve your Payday Loan: Driver’s License, Social Security Card (or proof of SSN), Most Recent Bank Statement, Debit Card, Most Recent Paystub , Piece of Mail to Verify Address
Q Where can I get a Payday Loan?

A Come by any of our convenient store front locations. Click here to see which store is closest to you!
Q Can I get a Payday Loan online?

A Yes! Click here to apply for an Online Payday Loan from your Laptop, Tablet or Mobile device from the comfort of anywhere!
Q When will my Payday Loan be due?

A Your Payday Loan will be due on your next pay day, which will correlate with your pay cycle – whether you’re paid weekly, bi-weekly, monthly.
Q How much will I owe on my due date?

A You will owe the principal amount plus fees. Example: If you borrow $425 (principal amount) the fee on that amount is $75. You will owe $500 on your due date. We accept multiple forms of payment to make it convenient for you to pay off your loan.
  • Debit Card Payment
  • Cash Payment
  • Automatic payment from your bank account
Title Loan FAQs
Q What is a Title Loan?

A A Title Loan is a quick and convenient loan that allows you to get money using your car or motorcycle as collateral. Receiving a Title Loan is simple, as long as you own your vehicle and have a title that is lien free.
Q How much can I get on a Title Loan?

A You can get as little as $100.00 or as much as $2,500.00!
Q Does 745Cash offer Title Loans on vehicles other than just cars and trucks?

A Yes! We loan on Cars, Trucks, Vans, SUVs, Motorcycles, ATVs, Boats, RVs and Campers!
Q Where can I get a Title Loan?

A Come by any of our convenient store front locations. Click here to see which store is closest to you!
Q There are three easy ways to apply for a Title Loan at 745Cash.

A
Q How do Title Loans work?

A Title Loans use your vehicle as collateral to get you the money you need! The process usually takes less than 30 minutes. Here are the requirements needed to obtain a Title Loan: Driver’s License, Social Security Card (or proof of SSN), Most Recent Bank Statement , Debit Card, Most Recent Paystub, Piece of Mail to Verify Address, Title , Vehicle Key
Q Can I still use my vehicle when I obtain a Title Loan?

A When you apply for a Title Loan your vehicle is used as collateral and 745Cash will be named as the lien holder. You still own and keep your vehicle during the Title Loan process. The only time 745Cash would take possession of your vehicle is if you default on your loan.
Q Can I make minimum payments?

A Yes. Your Title Loan payment will be due every 30 days. The minimum amount due on your first 2 payments is interest only. You can pay more than the minimum payment if you choose. Your 3rd payment will increase by 5%. That extra 5% payment goes toward the principal amount borrowed to help you get the Title Loan paid off faster.
Q Can I pay off my Title Loan early?

A Yes! You can pay off your Title Loan at any time with no early pay off fees!