Question 1

What are your hours of operation and are you open on weekends and holidays?

Accepted Answer

Our normal business hours are Monday–Friday from 10:00 a.m. to 6:00 p.m., Saturday from 10:00 a.m. to 3:00 p.m., and Sunday we are closed. We may have special hours or be closed on major holidays such as New Year’s Day, Independence Day, Thanksgiving, and Christmas. Please call ahead or check our door signs and online listings for updated holiday hours.

Question 2

Where are you located, and what landmarks or cross streets are you near?

Accepted Answer

We are located at Cash Plus, 1317 S Harbor Blvd, Fullerton, CA 92832. We are on the corner of Harbor Blvd and Orangethorpe Ave in the Fullerton Metrocenter shopping area, near major retailers and restaurants.

Question 3

What forms of ID do I need to bring to use your services?

Accepted Answer

For most services, you will need a valid government-issued photo ID such as a state-issued driver’s license or ID card, U.S. passport or passport card, permanent resident card or other government-issued immigration documents, or a consular ID (for some services, subject to verification). Certain transactions may also require verification of your Social Security number or ITIN and proof of current address.

Question 4

How much can I borrow on a payday loan and what is the minimum/maximum amount?

Accepted Answer

In California, typical payday loan amounts range from approximately $50–$100 up to the state-regulated maximum of around $255 for a single payday loan. The amount you qualify for depends on your income, pay frequency, and verification of your information.

Question 5

What are your fees and APR for payday loans, and how is the total repayment amount calculated?

Accepted Answer

Payday loans charge a flat fee based on the amount borrowed, within California legal limits. The total repayment amount equals the principal plus the fee. Customers receive written disclosures showing the principal, fee, total of payments, and APR as required by law.

Question 6

Do you perform a credit check, and will this affect my credit score?

Accepted Answer

Most payday loans do not use a traditional credit bureau score or involve a hard inquiry. Decisions are primarily based on income, employment information, banking history, and identification. However, seriously past-due accounts sent to collections may be reported by third parties and could affect your credit score.

Question 7

What documents do I need for a car title loan?

Accepted Answer

You generally need a clear vehicle title in your name, current vehicle registration, proof of insurance, valid government-issued photo ID, proof of income, and proof of residency. The vehicle may also need to be inspected.

Question 8

Do I keep my car while repaying the title loan and what happens if I default?

Accepted Answer

In most cases, you keep and use your car while repaying the loan, as long as your account remains in good standing. If you default, repossession and sale of the vehicle may occur as permitted by California law and your loan agreement.

Question 9

What types of checks do you cash?

Accepted Answer

We cash payroll checks and tax refund checks marked 'Not for mobile deposit.' All checks are subject to approval, verification, and compliance review.

Question 10

Are there limits on the size or age of checks you will cash?

Accepted Answer

The maximum check size we cash is $5,000. Checks more than 90 days old may be considered stale-dated and may not be accepted. Post-dated checks are generally not cashed.

Question 11

How do Western Union transfers work, and how long does it take for money to arrive?

Accepted Answer

You provide the recipient’s information, pay the transfer amount plus fees, and the transaction is processed through the money-transfer system. Many transfers are available within minutes, while others may take longer depending on destination, payout method, and compliance review.

Question 12

Do you sell money orders, and what is the maximum amount per money order?

Accepted Answer

Yes, we sell money orders with a maximum amount of $1,000 per money order. Customers may purchase multiple money orders up to a daily limit. A small fee applies per money order.

Question 13

How do prepaid debit cards work?

Accepted Answer

Prepaid debit cards are reloadable cards that can be used for purchases, bill payments, and ATM withdrawals. They are typically issued on major card networks such as Visa or Mastercard and can be used wherever those cards are accepted.

Question 14

Which billers can I pay at your store?

Accepted Answer

We offer bill-payment services for many major billers including utility companies, phone and wireless carriers, cable and internet providers, some credit card and loan companies, and selected other service providers. Availability may vary.

Question 15

Are you licensed by the State of California?

Accepted Answer

Yes. Our loan and financial-services activities are licensed and regulated by the State of California and applicable federal laws. Licensing information and regulatory notices are posted in our store.

Question 16

How can I file a complaint with your company or with the California Department of Financial Protection and Innovation?

Accepted Answer

You may speak with the store manager, call the phone number listed on your receipt or signage, or use the contact information on your loan agreement. If unresolved, you may contact the California Department of Financial Protection and Innovation (DFPI) through their official website to file a complaint.

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