After approval, we will provide an agreement for signature that allows us to disburse the funds to you and a authorization form for signature that allows us to electronically debit your bank account for the amount provided to you plus the fee charged for the transaction.

Millions of consumers with good jobs and steady incomes find a payday advance to be the best solution for their short-term financial needs.

A ever increasing number of consumers use a payday advance to cover unexpected expenses or help them through a short-term financial need rather than incur additional revolving debt, avoid costly bounced checks, late payments charges and tarnished credit.

California State law regulates the maximum advance amount available to each consumer. At the present, that amount is $300.00, including the fee.

Here at Cash 4 Checks, we do not charge a $10 set-up fee and our rate is a low 15% of the advance amount. Most payday advance providers charge what California Law has set the fee at, up to 15% of the check amount plus an additional first-time set-up fee of $10.00.

That depends on you and your needs.  If the entire transaction is done here, at our web site, the funds will generally be in your account within 24 hours. If you choose to visit one of our locations listed under "Locations" on this web site, you could leave the store with CASH in about 30 minutes providing you have the required documents and arrive at the store with time for us to process.  IF you choose to print out the application available on this site and fax it with the other required documents to us - we will process it and have the funds available for approved applicants when they arrive (most often) at their nearest location.

If your application is received before 3:30PM on Monday-Thursday, your funds will be deposited into your account by the next business day. If it is received after 3:30pm, it will be treated as received on the next business day and therefore will not be deposited until 2 business days later. If your application is received after 3:30PM on Friday or on Saturday or Sunday, it will be treated as being received on Monday.

All you need is to be able meet the above qualifications, produce the documentation as shown below and assure us by agreeing to the terms of the transaction agreement and we will be most happy to extend our services to you. We want to believe and trust our clients!

Since we are not a loan Company, Lending Institution or Bank, nor do we perform credit checks on our customers, the amount of the advance is determined by your net income, length of time on the job, length of time at your residence and the ability to verify your submitted information.

We charge the same fee to everyone. Our flat rate of 15% is all inclusive, No setup fee, No paperwork fee, No transaction fee, No application fee or any other fee, unless we are forced to charge a Non Sufficient Funds (NSF) fee of $15.00 because your advance repayment was refused by your bank.

The entire amount of the advance, plus fee will be deducted from your bank account electronically on the agreed upon date of your next payroll or benefit date.

We use a method referred to as "ACH" (Automatic Clearing House) to move funds in (unless you choose to pick the funds up at one of our locations) or out of your account just as banks do.

We are governed by the laws of the State of California.  No one qualified person can have more than $300.00 in advances outstanding at any one time. Example; you could take out a $100.00 advance and then two days later take out an additional $200.00 advance. However, both would be due on the same date, your next payroll or benefit date. Again, this law applies to each qualified individual.

Again, we are controlled by the laws of the State of California. By law, Payday advance's can not be "Extended" or "Rolled Over". However, the moment your advance is paid, we are able to issue a new agreement and authorization creating a new Payroll advance.

We understand that times can get hard for some people and we are willing to work with you to keep your good credit.Just contact us immediately so we can help you in your time of need. By contacting us, we can explain what you will need to do and how we can work together to help keep your good credit out of the red.

Yes! Absolutely safe! Cash 4 Checks Privacy policies, procedures and personnel training are very strict and designed to keep the respect and confidentiality of it's clients. Our (your and our) business is our business! We use the latest in SSL (secure server) technology and utilize 128 bit encryption.