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Locations

  • 3803 Tamiami Trl E
    Naples, FL 34112
    (239) 649-2274

F.A.Q.

f.a.q....find answers below:

Cash Now F.A.Q.

Frequently Asked Questions regarding our payday loan service:

  1. How large of a loan can I obtain?
  2. When are the loans due?
  3. How much does it cost to obtain a loan?
  4. If I currently have a payday loan outstanding in the State of Florida, can I get another one?
  5. Can I roll over my loan and simply pay additional interest and not pay off the principal?
  6. Do most people use payday loans the same way I do?
  7. Does Cash Now check my credit report before giving me a short-term loan?
  8. What happens if I don't have enough money to repay Cash Now on my due date?
  9. Is my transaction confidential?

Frequently Asked Questions regarding our check cashing service:

  1. What type of check can I cash at your store?
  2. What do I need to bring with me in order to get my check cashed?
  3. Isn't check cashing expensive, sometimes including outrageous fees?

Frequently Asked Questions regarding our bill pay service:

  1. What bills can I pay at your store?
  2. How quickly to my payments post?

Frequently Asked Questions regarding our prepaid visa cards:

  1. What do I need to get the All-Access Visa Prepaid Debit Card?
  2. How is the All-Access Visa Prepaid Debit Card different from a credit card?
  3. How do I load money onto my All-Access Visa Prepaid Debit Card?
  4. If I lose my card, can someone use it at an ATM?
  5. What can I buy using my All-Access Visa Prepaid Debit Card?
  6. How can I check the balance on my card?
  7. Can I use my prepaid Visa to pay at the pump for gasoline?
  8. Can I close my account and withdraw my money?

...answers

Payday Loans:

  1. How large a loan can I obtain? - Payday loans in the State of Florida are capped at $500.00 under Florida law.
  2. When are the loans due? - Loans are due on your next payday. If your payday is fewer than seven days away, arrangements will be made for extensions.
  3. How much does it cost to obtain a loan? - Loan fees are calculated by adding together 10% of the face amount plus $5.00.
  4. If I currently have a payday loan outstanding in the State of Florida, can I get another one? - No. When you obtain a payday loan in the State of Florida, your social security number is entered into a state database. When you pay off your loan, your loan is cleared and you are eligible for another loan in 24 hours.
  5. Can I roll over my loan and simply pay additional interest and not pay off the principal? - No. Loans must be paid in full before obtaining a new loan. Florida has enacted many measures to protect the consumers and the loan industry. By only allowing customers one outstanding loan at a time and not permitting rollovers, the horror stories you may have heard or seen on TV don't apply to Florida consumers.
  6. Do most people use payday loans the same way I do? - Most likely. Even though most of us pay careful attention to our finances, occasionaly we just need a little help for unexpected circumstances. More and more people are choosing a payday advance for those unexpected expenses, or to get a little help between paydays without opening a reloving line of credit. A payday advance is a short-term powerful tool to provide a sensible quick cash solution.
  7. Does Cash Now check my credit report before giving me a short-term loan? - No, there is no credit check required to approve your loan. However, most banks and financial institutions require a report of your full credit history, and use this information during their approval process.
  8. What happens if I don't have enough money to repay Cash Now on my due date? - In the event that your check is deposited and returned by your bank, you will be charged a nominal return check fee. You will then be responsible for the full payment of your loan including NSF fees. Cash Now will contact you to collect the amount due on your account. If you do not make arrangments to setup a repayment schedule, it may become necessary to turn your account over to a collection agency.
  9. Is my transaction confidential? - Yes, our payday advance transaction and personal information is confidential between you and Cash Now. We respect our customer's right to privacy.

Check Cashing:

  1. What type of check can I cash at your store? - We will cash almost all domestic checks! We encourage you to stop by our store and speak with a check cashing specialists.
  2. What do I need to bring with me in order to get my check cashed? - Please bring the check you would like to cash, along with a state issued ID.
  3. Isn't check cashing expensive, sometimes including outrageous fees? - No. This is a common misconception. In many cases, the fees that Cash Now charges are even lower than what banks and traditional financial institutions charge for check cashing services to their non-customers.

Bill Pay:

  1. What bills can I pay at your store? - Our bill pay center accepts payments for most common bills. Pay utility bills, phone bills, cellular bills, credit card bills, and more! If you have are unsure whether we can pay a particluar bill of yours, please don't hesitate to drop us a call at: (239) 649-2274
  2. How quickly to my payments post? - Although most payments are posted within hours, we recommend allowing 48 hours to avoid late charges from the biller.

Prepaid Visa:

  1. What do I need to get the Visa prepaid debit card? - Getting the All-Access Visa Prepaid Debit Card is easy. Stop by the Cash Now store and we will verify your name, address, telephone number and collect the one-time fulfillment fee. There is no credit check or application. You are already accepted! Just bring a government issued ID and you'll be on your way!
  2. How is the All-Access Visa Prepaid Debit Card different from a credit card? - The All-Access Visa Prepaid Debit Card is prepaid, which means it is completely powered by your cash. The money you have in your account is the money you have to spend.
  3. How do I load money onto my All-Access Visa Prepaid Debit Card? - Just simply stop by our convenient Naples, FL location and we can reload your card instantly. Your funds will be available immediately.
  4. If I lose my card, can someone use it at an ATM? - The only way someone else could use your card at the ATM would be if they knew your secret PIN. Therefore, we recommend that you never write your current PIN on your card.
  5. What can I buy using my All-Access Visa Prepaid Debit Card? - The All Access Visa Prepaid Card is accepted at millions of stores, restaurants, ATM's and more! Since your card is accepted anywhere that accepts Visa, you may use your card wordwide, and you'll never need to worry about paying interest charges or late fees.
  6. How can I check the balance on my card? - There are several ways to check the balance on your card. You may check your balance online for free, through an automated phone system, or by talking to one of our friendly Customer Service Agents, in English or in Spanish.
  7. Can I use my prepaid Visa to pay at the pump for gasoline? - Yes. You will need to have a minimum available balance of $55 to $100. If you purchase gas at the pump and the merchant obtains an authorization for $55, there will be a hold on your card for this amount. If the total purchase comes to $30, the merchant will complete the transaction by collecting on the $30, and the remaining $25 will be released back into your account.
  8. Can I close my account and withdraw my money? - Yes. The easiest and quickest way to do this is to withdraw your money at an ATM.