Frequently asked questions

Yes, this is a Cash Advance in the form of an Installment Loan Agreement. An installment loan is a product that is repaid with a fixed number of periodic payments generally due on paydates. The payment schedule, including payment amounts and payment dates is included on your loan agreement. An installment loan gives you the flexibility of paying back your loan over a greater period of time than a traditional payday loan while also offering the ability to pay the loan in full at any time without penalties. We encourage our customers to pay back the loan as soon as they can or to make additional payments to reduce the overall cost of the loan.

Installment Loans are better than payday loans because there are no hidden fees, all the payments are the same so they are easier to budget for, and since you are always paying some principal with each payment, the customer doesn’t have to come up with a big chunk of money to pay off the loan all at once. All this gives our customers a sense of comfort and pride knowing that they can pay off their loans on their own, and stay out of a cycle of debt.

We transact all our loans on our secure SSL server, utilizing the industries highest-standard. Please review our privacy policy for more information.

All customer loan limits will be based on the amount of direct deposited income. The more income a customer makes, the higher the lending amount up to $1,500. As a guideline, we’ve found that any customer shouldn’t borrow more than 30% of their monthly net income. If you prove that you can make your loan payments on time, and with ease, we can possibly increase your credit limit and lower your rate. We will match or beat any rate in the industry.

FatMoneyLoans.com welcomes all Social Security, Disability or Pension recipients to apply. You will not be disapproved simply because of your fixed income status. We know that EVERYONE needs help occasionally.

Yes! Perfect credit is NOT required! All applicants will be given the same consideration. We do not “pull your credit,” and bad credit is not a problem. Lots of good people have bad credit.

This is an installment loan. Loans terms will vary but generally correspond to your income dates.

Yes! You may request a 5 day courtesy extension of your due date with no additional fee. This option is available once per loan.

Our loans range from $200 – $1500. Fees vary from $15 – $60 per $100 borrowed depending on length of loan and status as a customer. Loan terms include Weekly, Bi-Weekly, Semi-Monthly and Monthly.

One of our Loan Managers will contact you and/or you will receive an email notification to complete the application process.

We do not solicit business in the following states: Arizona, Connecticut, Maryland, Massachusetts, North Carolina, South Carolina, Pennsylvania, Vermont, West Virginia. Georgia, New York, New Jersey, Arkansas, Oregon, Maine, Ohio, New Hampshire, Montana, Colorado, Michigan and Washington DC.

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