Hometown Cash Advance

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Frequently Asked Questions

We hope you find the information below useful in regards to finding out about small loans. If you need to get cash quick then this type of loan is your best option.

What is a Small Loan?

A small loan is a small, short-term loan usually given without a credit check that is intended to bridge the borrower's cash flow gap between pay days. The loan is secured by the borrower's personal check(s) that includes the original loan principal and accrued interest. The maturity date coincides with the borrower's next pay day.

Is a Small Loan right for you?

A small loan is a sensible alternative to costly bounced checks, late payment charges, and tarnished credit ratings. Before obtaining an small loan, though, we encourage you to weigh the costs and benefits of all options.

How can you be sure you're using Small Loans wisely?

We'll gladly review your overall financial needs with you and evaluate your account status. We can help determine what's best for your situation, through questions such as...

  • Are there other short-term credit options that may be less expensive than a small loan, such as a loan from a bank or savings & loan, a credit card advance or an account with overdraft protection?

  • If you've obtained small loans before, is it time to reduce the amount of the loan you would normally request?.

  • Would it be better to borrow just enough to get over this short-term hump?

Would you benefit from taking a break from the service at this time?

Each small loan provider has its own policies about the number of consecutive transactions you can make before a break is imposed. You might consider imposing your own personal policy to avoid becoming over-reliant on the service.


Do I need good credit to get a small loan?

Nope, you just need a job. Basically your next paycheck will be used to pay off the loan so usually a credit check will not be done. You will be asked to write a personal check(s) to secure your loan.