Payday & Cash Advance | Check Cash Advance Application | Instant Payday Loan

Online Membership and Advance Application
As a Member, you can then participate in our Members Only referral program, which pays you $20 for every new customer you refer.
You'll be pleasantly surprised at how much you earn just by referring friends!

Please fill out ALL FIELDS of the below form completely.
(Any incomplete applications will not be subject for review and will not be approved.)

(1) Simply fill out the application form and click submit.

Money & More, Inc. Advance Agreement

The purpose of the Money & More, Inc. Advance Agreement is to make you, our customer, fully aware and informed of all terms and conditions of our policies, as well as all Federal and State of California regulations as required by law. We value the opportunity to serve your needs and want you to be completely satisfied and comfortable in all transactions with Money & More, Inc..

Federal Disclosure Requirements 
Requirements Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone an advance (as in our Cash Advance Program). Money & More through its web site does not discriminate based on any of these factors. In addition Money & More, Inc. will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with the Money & More, Inc. cash advance program are given.

Federal Truth in Lending Act (T.I.L.A.)
Money & More, Inc. Terms and Conditions Cash Advance Amount (Amount Financed) 
1 Cash Advance Fee (Finance Charge)
2 Total of Advance Transactions (Total of Payments)
3 Term of Cash Advance
4 Annual Percentage Rate (A.P.R.)
5 Advance Schedule:

Due on your nearest payday "or in 14 days".

Advance    Interest   Amount Due  
$ 50.00    $ 8.83     $ 58.83 
$ 75.00    $13.24     $ 88.24 
$100.00    $17.65     $117.65 
$125.00    $22.07     $147.07 
$150.00    $26.48     $176.48 
$175.00    $30.89     $205.89 
$200.00    $35.30     $235.30 
$225.00    $39.71     $264.71 
$250.00    $44.12     $294.12 
$255.00    $45.00     $300.00

1) Cash Advance Amount -This is the Amount Financed - 
    The amount of cash advance  provided to you.
2) Cash Advance Fee - This is the Finance Charge - 
    The dollar amount the cash advance will cost you. 
3) Total of Advance Transaction - 
    The amount you will have to pay after you have made payment as scheduled.
4) Term - This is when the cash advance total payment is due.

Electronic Funds Transfer (EFT) Agreement and Disclosure

This authorization is for those single or multiple entries necessary to complete the original entries' authorization amount and may be resubmitted if the original entry is returned by the customer's financial institution. In the event the EFT is returned unpaid, an additional $25.00 Return Fee or maximum legal amount may be electronically withdrawn. It is the policy of Money & More, Inc. to expedite all debits and credits as soon as possible upon approval; however, unavoidable delays can result with the processing company as a result of inadvertent processing errors, "Acts of God", etc. Normal processing time should not exceed two (2) business days under most circumstances but may exceed that in extraordinary circumstances.

Pre-Authorized Electronic Funds Transfer Payments

With this EFT Agreement, which is part of the Master Money & More, Inc. Advance Agreement, the customer authorizes Money & More, Inc., to initiate debit/credit entries to the customer's account for all payments due, including any returned unpaid item fees due, on which the subject of this agreement is drawn and the Financial institution in which the account is held to debit/credit the same to such account. This authority is to remain in full force and effect until Money & More, Inc. and the subject financial institution have received written notification from the customer of its termination in such time and in such manner as to afford Money & More, Inc. and the financial institution a reasonable opportunity to act on it. You (as the customer) understand that you may cancel this authorization by providing written notice to Money & More, Inc. at least five (5) business days prior to the payment due date. You understand that canceling your authorization does not relieve you of the responsibility of paying your account in full. Furthermore, the customer authorizes Money & More, Inc. (and its EFT Processor) to make electronic funds transfers (EFT), both debit and credit entries, to and from any bank account of the customers at any institution, from time to time, for fixed and variable amounts, including recurring transactions and point-of-sale transactions, according to the terms of the customer's agreement with Money & More, Inc. The customer understands and agrees that Money & More, Inc. does not need to notify the customer prior to any recurring debit entry for a fixed amount, or prior to any point-of-sale debit entry initiated by the customer, or prior to any credit item.

The consumer understands that Money & More, Inc. has the right to withdraw its payday advance at any time and as such the consumer agrees that they will not seek relief from Money & More, Inc. if this withdrawal of the advance should generate any overdraft fees for any reason.

Your Promise To Pay
Due on your nearest payday "or in 14 days".
You promise to pay us the Amount Financed, the Finance Charge and other permitted charges according to the Federal Truth-in-Lending Disclosures. You acknowledge and agree that You are indebted to us in the amount of the Total of Payments, and that the amounts set forth in the Federal Truth-in-Lending Disclosures are not in dispute.

You have made promise to pay us or to our order, (per your electronic signature on original advance application of Money & More, Inc. ADVANCE AGREEMENT in one payment on the date indicated in the payment schedule.

You authorize us to effect this payment by one or more ACH/EFT debits and or demand bank draft debit entries to your account of your financial institution (bank or credit union) until this cash advance comes due.

You authorize us to effect this payment by one or more ACH/EFT debits and or demand bank draft debit entries to your account of your (bank or credit union) financial institution until this cash advance note is paid in full. You have confirmed that you are not in bankruptcy proceedings, nor do you contemplate or plan on filing bankruptcy in the future.

You promise to keep open and maintain an adequate balance in your account to assure all payments are made to us in a timely manner on the scheduled due date, until this cash advance note is paid in full. You agree and confirm this online cash advance transaction is due in full on your next nearest pay date.

You agree that by submitting completed/signed Money & More, Inc. internet request forms as a matter of convenience, hereby constitutes the same legal and binding document as providing Money & More, Inc. with your personal post dated check, in the amount of the cash advance plus associated fees, for the scheduled and authorized repayment of the cash advance amount that, upon approval, will be credited by ACH/EFT to your financial institution account. If Money & More, Inc. is unable to collect payment from your provided account for any reason to effect debit entries as agreed, You promise to pay us all sums You owe immediately, by making payment in full by using Western Union Quick Collect process.If in default, You authorize Money & More, Inc. and/or their designated collection agency to continue initiating ACH / EFT or bank draft debit entries of your financial institution account for full and/or partial payments of cash advance and associated costs as necessary until all total amounts owed are paid in full.

Arbitration

Both parties agree that any claim, dispute, or controversy between us, any claim by either party against the other or the agents, services, or assigns of the other, including the validity of this agreement to arbitrate disputes as well as claims alleging fraud or misrepresentation shall be resolved by binding arbitration by and under the Code of Procedures of the National Arbitration Forum (NAF) at the time the claim is filed. Rules and form of the NAF may be obtained and all claims shall be filed at any NAF office on the World Wide Web at www.arbforum.com or at:

NAF 
P.O. Box 50131 
Minneapolis, MN 55405

Any arbitration hearing, if one is held, will take place at a location near your residence. Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act 9. USC Section 1-18. Judgment upon the award may be entered by any party in court having jurisdiction. Notice: Both parties have had the right or opportunity to litigate disputes through a court but we have agreed instead to resolve disputes through binding arbitration.

RETURN OF PAYMENT POLICY

If the customer's pre-authorized payment is returned to Money & More, Inc. as uncollected due to ACCOUNT CLOSED or UNAUTHORIZED / STOPPED PAYMENT, and payment in full is not obtained by Western Union Quick Collect process, the customer's account will AUTOMATICALLY be forwarded to our collection department and collection procedures will begin immediately. The customer's defaulted account will be transferred to the National Arbitration Forum and a claim for judgment will be filed against you. Upon award of claim, which is final and binding, You the customer in default, will be responsible for all additional costs associated with obtaining payment in full (National Arbitration Forum fees, collection fees, court and attorney fees). In addition, the customer in default will be reported to TeleTrack, TeleCheck, and SCAN.

If the customer's pre-authorized payment is returned to Money & More, Inc. as uncollected due to NSF (non-sufficient /uncollected funds), the customer agrees to have payment automatically rescheduled for a repayment date (within ten days) to include fees associated with the return, and the original advance plus fee, presented in a manner as to bring the customer's account current to avoid NAF fees , court fees, collection fees and/or attorney fees.

Further, by submitting the application form, the customer authorizes Money & More, Inc. and the customer's current verified financial institution (even if the financial institution and/or account numbers are different than those on the original application) to initiate debit (ACH or bank draft) and credit entries as necessary when an original ACH/ EFT transaction is returned unpaid or unable to complete. The customer authorizes Money & More, Inc. and/or assigned collection company to submit ACH/ EFT and/or bank draft debits for partial payments of cash advances and fees (such partial payments shall be credited first to fees payable, then to cash advance principal payable); as necessary to allow full repayment of the cash advance and any/all associated fees to be completed.

IF ANY PORTION OF RESCHEDULED PAYMENTS are again returned to Money & More, Inc. as UNPAID for ANY REASON, and Money & More, Inc. is not able to obtain RESCHEDULED payments IN FULL by Western Union's Quick Collect process, the customers defaulted account will be transferred to the National Arbitration Forum and a claim for judgment will be filed against You. Upon award of claim, which is final and binding, you, the customer in default, will be responsible for all additional costs associated with obtaining payment in full (National Arbitration Forum fees, collection fees, court and attorney fees). In addition, the customer in default will be reported to TELETRACK, TELECHECK, and SCAN, as well as ALL MAJOR CREDIT BUREAUS.

ADDITIONAL TERMS AND CONDITIONS OF THIS AGREEMENT

Prepayment: You may prepay your obligation under this Agreement in full at any time without penalty.

Method of Payment:

Your electronic authorization in the amount of the total of payments stated in the Federal Truth-in-Lending Disclosures and dated as of the date indicated in the payment schedule stated in the Federal Truth-in-lending Disclosures (the "Payment Date") will be held by us until the payment date as security for this advance. You agree that we may debit your account for the payment if you have not paid us in cash or by cashier's check, money order, or other immediately available funds the amount of total payments before noon (EST) on the Payment Date. If payment is made prior to the EFT/ACH payment date, we will cancel the electronic authorization at the time we receive payment.

Returned Payments:

In the event your electronic payment of any amount due under this agreement, and upon presentment to the named Drawee, is returned due to insufficient funds or credit, stopped payment, or closed account, or any other reason, we shall assess a $25.00 returned fee.

Documentation:

You agree that electronic mail, electronic forms, records, photocopies, and/or facsimile copies of the documents you submit are valid and enforceable as the original. You agree that by typing your name as your electronic signature, it is acknowledged and understood that it constitutes an acceptance of all terms and conditions of the master cash agreement and is valid and enforceable.

Prepayment:

You may prepay all or any part of the amount due under this Agreement at any time without penalty. You agree, to the extent permitted by law that you will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy you may have against Money & More, Inc. You agree to the entry of injunctive relief to stop such a lawsuit or to remove myself as a participant in the suit. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually.

MEMBER SIGNATURE STATEMENT

By signing and submitting the application form, I understand and agree to all terms and conditions of this Money & More, Inc. ADVANCE AGREEMENT and by submitting the online information application by Internet, I am applying for a cash advance and certify that information provided by me is true and correct under penalty of perjury. I agree that upon submission of you electronic signature, I am not presently involved in, or contemplating bankruptcy now or in the future. I authorize you to verify the information in this application and hereby give Money & More, Inc. consent to obtain information on me from a consumer reporting agency or other various means available. I understand that Money & More, Inc. reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant in order to process this application, I understand verification of the information I have provided is necessary, including, but not limited to, proof of residence, employment and bank account verification. I accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to me.

These transactions shall take place in the State of California and California Law shall govern all aspects thereof except as Federal laws may apply.

(Be sure you fully understand the Money & More, Inc. program and procedures before signing and submitting forms as acceptance. If you are unsure, please take time to review or contact a customer service representative to answer any questions you may have.)

Applications will be delayed or not processed without all requested information.

Tell us about yourself.
* First Name:
Middle Initial:
* Last Name:
* Social Security Number:
* Drivers License Number:
* Date of Birth:	,
* Email Address:
* Home Telephone Number:
* Address:
Street No. Dir. Street Name Street Type Unit # Zip

Tell us about your job.
* Employer Name:
* Employer Address:
Street No. Dir. Street Name Street Type Unit # Zip
* Work Phone :	ext
* Net Pay Amount:
* Pay Frequency:
* Next Pay Date:	,
* Is Your Paycheck Direct Deposited:

Enter your Bank information.
* Bank Name:
* Routing (ABA) Number:	Help
* Account Number:
* Account Type:

First Reference
* First Name:
* Last Name:
* Phone 1: Type

Second Reference
* First Name:
* Last Name:
* Phone 1: Type
By clicking submit on this Application, you certify that all of the information provided above is true, complete and correct and provided to us, Money & More, Inc. for the purpose of inducing us to make the advance for which you are applying.