Payday Loans FAQs

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Payday Loan FAQs

We make the Payday Loan process easy:

  • Step 1: Complete an application in-store with one of our Loan Experts
  • Step 2: Get a quick and easy lending decision
  • Step 3: If approved, fully review your Payday Loan documents and sign along with providing us a check and/or authorization to debit your account
  • Step 4: Receive your cash
  • Step 5: Repay on your due date, typically your next payday

You may be eligible for a no-cost extended payment plan, also known as an Extended Payment Plan (EPP). If you’d like to learn more about an EPP or other repayment options, please call or visit your local easymoney store. Please contact us at least one banking day before your loan is due if you cannot repay your loan on its due date. Failure to make payment or arrange for an extension will result in deposit of your check and/or debit of funds from your designated account.

This depends on your state and lender. Both Alabama and Tennessee limit the amount and number of payday loans one can have at any one time. Please contact an  easymoney Loan Expert in store for more details.

We are partnered with the team at Speedy Cash to offer online loans to our customers. Visit our online loans page for more information.

Yes. Our goal is to help all our neighbors where possible. You may be eligible for a Payday Loan despite having a less than perfect or even poor credit. You can contact an easymoney Loan Expert in store to apply.

Usually, Payday Loans are due at or near your next payday which will depend on your pay cycle (you might be paid weekly, bi-weekly, monthly, etc.) At the time of your due date as outlined in your loan terms, you will owe the stated fees and the principal amount (the borrowed funds).

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Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Noticia al Consumidor: Existe una amplia variedad de productos financieros disponibles en el mercado, por lo que su elección debe coincidir con sus necesidades financieras. Los préstamos de poco dinero utilizados durante un largo período de tiempo pueden ser costosos.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meeting state database eligibility where required, based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Non-Loan Services: Rules, restrictions, and fees apply. See store for details.

Alabama: Minimum age to apply in Alabama is 19. Title loan amount determined by condition of vehicle and borrower's income. Not all clients or vehicles qualify. Title loans are made under the Alabama Pawnshop Act, Ala. Code 5-19A-1 et seq.

Tennessee: The State of Tennessee requires a minimum principal reduction on Line of Credit Products. In order to comply with the minimum state-required principal reduction, easymoney requires that minimum payments include a principal reduction of 2% for Customers who get paid bi-weekly/twice-a-month, or 4% for Customers who get paid monthly.

Green Dot: must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account.  Mobile number verification, email address verification and mobile app are required to access all features.


1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.


2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.


3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.


Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.  Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.  ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

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