How It Works
Express Cash Membership Application
If payday is too far away, let us help. We'll get you the money you need - fast!
You pay us back when your next paycheck comes. See if an Express Money Center cash
advance loan is right for you.
Do I qualify?
The answer is "Yes" if you:
- Have at least three months in your current job
- Have a checking account that has been open for at least three months
How do I apply?
It's easy! You'll need an e-mail account and access to a fax machine.
- Click on Apply Now to register.
- Fill out the application.
- Once completed, you will receive an email with an activation code and your password.
You will need these to activate your account.
- Once your account is activated you can apply for a new loan.
- We will give you call as soon as possible once we receive your request and ask
you some questions. Answer them right, YOUR APPROVED right away.
When will I find out?
We'll let you know by e-mail within hours. You can also login to to your account
to check your status.
When do I get the money?
If you apply by 12:00 PM PST, we transfer funds the next business day. Anything
received after 2:00 PM PST will be sent the next business day. Check with your bank
to find out when the money will be available in your account.
How do I pay my loan back?
Primary Payment Method:
Our primary form of payment is to debit your account in the form of an ACH (Automated
Clearing House) or EFT (Electronic Funds Transfer). For this you need to have a
valid transaction account. Some savings accounts or money market accounts do not
allow ACH or other types of transactions to occur on the account. For our purposes
these types of accounts are unacceptable. A valid account registered with Express
Money Center should include an ABA # for your bank and your account number. You
can get this from the bottom of your check. You need to make sure that you have
the right numbers. Some banks will put the check number "1391" on the bottom too
with other numbers like "100000001391" which only denotes the check number and not
the proper ABA# and Account number.
Under certain circumstances authorized by your account manager, Express Money Center
will allow other forms of payments which are as follows:
1. MoneyGram Payments - You can make payments online using your
checking account or credit card, by going to
http://www.emoneygram.com/, or you can
visit a retail store that offers MoneyGram services.
( Click here to find a location near you)
If you choose to send a payment using MoneyGram through a retail location,
you can only pay CASH. Express Money Center's Receive Code is: 6297
2. Cash - Express Money Center does not accept cash payments via
mail. We recommend you do not send cash via the mail. It is dangerous and you risk
losing your payment due to theft. If a payment is sent via mail and we only receive
the envelope because the payment was stolen, we will assume the payment was never
sent and you will still have a balance. We take no responsibility for cash sent
through the US Postal Service or other public and private carriers. Please make
all payments via Money Order or Cashiers Check. See above for instructions.
3. Credit Cards and USAepay - We accept credit cards online indirectly
through our USAepay account link.
If you pay off this loan early you will not have to pay a prepayment penalty, and
you may be entitled to a refund of part of the finance charge.
That's it! To find out more about cash advance loans, see How It Works Sections:
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