| How does it work? |
You simply fill out our online applications for a payday cash advance with the information requested. Once it is reviewed, you will receive a confirmation with the status of your application. Once approved, you will be asked to fax us a copy of the following:
- Your last paycheck stub
- Your last bank statement
- Copy of your driver's license and Social Security Card
- A voided personal check |
| Will Westwood Check Cashing check my credit report? |
No, we do not obtain a complete credit report. Unlike many other financial instructions, we do not require that you have good credit or, for that matter, any credit history at all.
We do, however subscribe to a risk assessment service. It tells us if customers are current in their payments to other businesses like ours and whether our customers have payday advances outstanding with other companies that subscribe to the same service. |
| What are the qualifications? |
The main qualifications are:
- Your bank account must be in good standings. (No more than two NSF in the last thirty days)
- Your bank account has been opened a minimum of 6 months.
- You have been on your current job for more than 6 months. |
| Will I need direct deposit? |
| No, we rely upon direct deposit to help insure that funds are available on the Due Date of the agreement. If you do not have direct deposit you may apply in person in our office. |
| How long will Westwood Check Cashing advance me money? |
| We will advance funds until your next payday up to 14 days away, in some cases you may qualify for longer periods of time. |
| How often am I allowed to use this service? |
| As long as your previous cash advances has been paid at least 24 hours, you may apply |
| How much money can I get? |
State law regulates the maximum loan amount for all types of loans. Within the allowed range, you qualify for a particular loan amount based primarily on your current income (and/or vehicle value for Title Loans).
Please call or come into the store, let us be the solution to your short-term financial needs. |
| How Much Does a Loan Cost? |
| Our rates are always competitive. Our loan rates are in compliance with applicable State and Federal Laws. |
| Is My Transaction Confidential? |
| All our transactions are confidential. We understand our customers desire for privacy in managing their financial matters. |
| Do You Run a Credit Check before I Receive a Payday Loan or a Title Loan? |
| No. Unlike many other financial institutions, Westwood Check Cashing does not obtain a credit report or require that you have good credit or any credit history at all to receive a Payday Loan or a Title Loan. |
| What happens if I change my mind after taking out a Payday Loan? |
| Westwood Check Cashing abides by CFSA's Best Practices, which enable you to rescind the transaction at no cost before the end of the following business day by returning the full amount of the loan. |
