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FAQ’s

What is a cash advance or short-term loan?

A cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose cash advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At www.dontbebroke.com , apply online for short term loan and your advance will be electronically deposited to your checking or savings account.

Is bad credit a problem?

No! Dollar Loan Center is the leading authority in rapid cash loans for people with many types of credit scores. We’re not like the standard bank only able to lend to individuals with a perfect credit score. Although we desire to assist absolutely everyone who applies, there are actually some circumstances that might prevent us from being able to approve a short term loan. You will find on our FAQs page, we do our very best to find a method to assist you whenever possible. A credit score does not have an impact on a short-term loan or signature loan. If we are unable to fund your loan, we may share your information with another lender. Your information and loan is then subject to the policies, processes, and procedures of that lender.

What if I only need to borrow money for a short time?

Outstanding! That is definitely a perfect fit for Dollar Loan Center.  We will only charge interest for the amount of time you need to have the money. ! You only pay interest the days that you have the loan. Our FAQ page tells you there are never any upfront fees. This is a much better deal than a payday loan where you would pay the same up-front fee, whether you need the loan for 6 days or 14 days.

Does Dollar Loan Center run a credit report?

Yes. However, we’re not looking for a perfect credit score to receive a signature loan or short term loan. We do want to make sure that we are lending responsibly and protecting all parties involved from fraud on their signature loan. If we do not provide the loans directly, please review the information of that specific lender.

Is it all online or can I come into a store?

You can apply and receive funds, completely online. A checking account is necessary so we can deposit cash directly into your account. If you use our Pre-paid cards rapid funding can occur instantly. If you do not have a checking account, you will come into one of our stores to pick up your short term loan cash. With 50 locations nationwide, finding a store closest to you is easier than ever! See our locations page to find the store closest to you to get signature loan funding.

How long does it take to get a loan?

Normally, we can process short term loan or a signature loan for first-time customers in 30 minutes or less.  If you’re an existing customer, processing a short term loan normally takes less than 5 minutes. If we do not provide the loans directly, please review the information of the specific lender.

How much can I borrow?

Each customer situation is different and the actual amount that we can lend can only be determined by fully processing the loan application, but we do make every effort to get you the amount that you request.

Does my credit line ever increase?

Absolutely!  As your income improves and as you develop a good payment history your credit line may increase. Additionally, good payment history might affect your credit score, a short term loan can have great benefits.

How often can I get a short-term loan?

We are available any time you need financial assistance between pay periods. We encourage all of our customers to use the short term loan or signature loan responsibly keeping in mind that a signature loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with frequent budgeting issues, or to increase a credit score.

Do you hold checks for security on my loan?

No. Unlike a traditional payday loan, Dollar Loan Center’s short term loan doesn’t hold checks or require any collateral for you to get a loan.

What if I don’t have a checking account?

Dollar loan Center’s short term loan or signature loan don’t require you to have a checking account in order to establish a credit line. The only time a checking account is required is when you apply to qualify for funding online.

What are your interest rates?

Dollar Loan Center offers a competitive interest rate. We comply with all state and federal laws. We guarantee to beat the rate of any “Payday Loan Company” in your area. If we can’t, your loan is interest free. Check out the Dollar Loan Center Guarantee. Please contact the store nearest you for more signature loan information. If we do not provide the loans directly, please review the information of the specific lender.

Do I have to fill out a new application every time I want to take out a loan?

No, if you have established your credit line with us within the last 12 months, all that you have to do is bring in your most recent paycheck stub and we can process you a new cash advance in minutes.

Do you have a loan affiliate service?

Yes we do! If we aren’t able to provide you a signature loan or short term loan, we have a highly effective program designed to help you find the funds you need. You can opt-in to this free service by checking the appropriate box on your application. If we are unable to fund your loan, we may share your information with another lender. Your information and loan is then subject to the policies, processes, and procedures of that lender.

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Our rates are among the lowest in the industry and we guarantee to beat the rate in your local area.

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Hours of Operation for Customer Service:
7am-10pm Monday-Saturday (PST)

8860 W. Sunset Road Las Vegas, NV 89148

Dollar Loan Center is licensed to offer installment loans in: California, Nevada, South Dakota, and Utah.

Dollar Loan Center utilizes traditional credit checks as part of the signature loan approval process. Also, Dollar Loan Center and third party lenders may, at their discretion, may verify application information by using national databases, including but not limited to Teletrack. These databases may include information relating to previous cash advance transactions that Dollar Loan Center or third party lenders may take into consideration in the approval process. Additionally, Dollar Loan Center does not obtain a credit score used in the underwriting process for signature loans. Requesting these credit checks may affect your credit score.

CUSTOMER NOTICE: A short-term loan should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

(OAC) stands for On Approved Credit

Actual loan amounts vary by each state.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

Dollar Loan Center offers signature installment loans. Our instant loan funding and other same day funds are not available in all states and are available only to eligible customers. Restrictions may apply. See individual state pages for more details.

Prepaid cards are not required to secure a loan.  Prepaid card usage may result in additional costs.

IMPORTANT INFORMATION ABOUT ACCOUNT OPENING PROCEDURES: In order to help the government fight the funding of terrorism and money laundering activities, Federal law requires that we obtain and record information that identifies each person who opens an Account. To process your application, we must have your name, street address, date of birth, social security number and other identifying information, and we may ask for identifying documents from you as well such as a driver’s license.