 Quick & Easy Loans with NO Credit Checks!
Colorado
- Loans up to $500
- Up to 6 Months to Pay Back!
- Click HERE to see Colorado payday loan fees.
Wyoming
- Loans up to $600
- Up to a Full Month to Pay Back!
- Click HERE to see Wyoming payday loan fees.
Idaho
- Loans up to $1,000
- Up to a Full Month to Pay Back!
- Click HERE to see Idaho payday loan fees.
California
- Loans up to $300
- Up to a Full Month to Pay Back!
- Click HERE to see California payday loan fees.
 Frequently Asked Questions
Q. What happens if I change my mind after taking out a payday advance?
A. If you return the full amount of the cash advance by the end of the following business day, B&R Check Holders will void the transaction at no cost to you.
Q. Is my transaction confidential?
A. B&R Check Holders realizes that you want to keep your financial affairs private. Every transaction made through B&R Check Holders is confidential.
Q. How is the advance amount determined?
A. The laws of each state mandate the maximum cash advance that B&R Check Holders can offer. When you apply for a payday loan, you will qualify for a percentage of that amount based on your income. This way, you are protected from taking out a cash advance that you are unable to pay back with your next paycheck.
Q How are fees established?
A. The fees at B&R Check Holders are set in compliance with state and federal law and through market competition.
Q. Is my credit rating checked before I receive an advance?
A. No, B&R Check Holders will not check your credit before you take out a cash advance. You don't need to have an excellent credit score or any credit history to take out a payday loan through B&R Check Holders. However, we often use a risk assessment service to find out if our potential customers have any outstanding cash advances to any other payday loan establishments.
Q. Getting a payday advance seems simple, so why is there so much information in the Customer Agreements?
A. B&R Check Holders gives you full disclosure of all policies and fees as required by the state and federal government. The Customer Agreements contains information about the transaction cost, service fee, and dollar amount of the loan. The annual percentage rate (APR) of the loan is also included in the paperwork even though the payday loan is intended to be a short-term option. B&R Check Holders wants to be sure that their customers have all the relevant information to make solid financial decisions.
Q. Can I renew, or roll over, my advance by just paying the fee again on my due date?
A. A payday loan is intended to be a short-term financial solution, not a long term line of credit. Even so, B&R Check Holders realizes that some customers may not be able to resolve their financial issues immediately. Some states allow advances to be rolled over and others do not. In states where rollovers are legal, B&R Check Holders will roll over an advance only four times.
Q. What happens if I don’t have the funds necessary to repay the advance on my due date?
A. B&R Check Holders will make every effort to collect past due accounts in a fair and lawful manner. If we deposit your check and it is returned due to insufficient funds in your account, you could be charged a returned check fee if the laws in your state permit. We suggest that you make every effort to avoid this happening since most banks will also charge you a fee or revoke some account privileges if one of your checks bounces. After a check is returned, B&R Check Holders contact you to pay back the amount you owe. If necessary, your account could be turned over to a collection agency or attorney.
Q. If my account becomes past due, will I face criminal prosecution?
A. No. B&R Check Holders will not raise criminal charges against a customer with a past due account, as the industries Best Practices mandate. However, in some cases the company may pursue civil action to collect past due accounts.
Q. What can I do if I’m ever dissatisfied with the customer service from B&R Check Holders?
A. Shame on us! You may call our corporate office at 877-918-5712 or email us at service@checkholder.com. We are committed to excellence in customer service and will take any necessary steps to remedy the situation. |
