We understand that there are many options for you to choose from when it comes to your financial needs. Here at QFund, we have made it our mission to become the provider of choice for the underbanked populations we serve. So what does that mean for you? We consistently train all of our employees to provide you with the utmost compassion, care and respect that all of our customers deserve. We continuously look at our underwriting to make our qualification and approval process as easy and convenient for you. We listen to our customers and personalize each individual loan to ensure it meets your budget and spending ability. It’s ingrained in us so much to be flexible with our customers that we even named the company after this business philosophy. With QFund, you will get the utmost respect, care and confidentiality every time you step into one of our stores or have an online loan with us.

A cash advance (also known as a “payday loan”) is a short-term loan, often utilized to cover unexpected expenses. Cash advances usually incur a flat fee. These fees, along with your borrowed amount, are to be paid on your next pay day.

Cash Advance - Loan amounts typically range from $100- $500.They are short-term loans that are due on the borrower’s next paycheck. Loans are unsecured and do not require a credit check.
Installment Loans - Typical installment loans carry a higher loan amount, ranging from $500 to thousands of dollars. Principal, interest and other finance charges are repaid in equal fixed installment payments over a specified period of time. These loans generally require a credit check.
Title Loans - These are very similar to installment loans, but they are secured by using the borrower‘s vehicle title as collateral. Borrowers who get title loans must allow a lender to place a lien on their car title. When the loan is repaid, the lien is released and the car title is returned back to the owner. Title loans would typically be used when a person doesn‘t qualify for an installment loan or needs to borrow more money that is typically offered in our installment loans. Title loans have fixed payments but are usually 12-24 months. Title loans do not require a credit check.
*Products mentioned above vary per location. Please visit our Locations page to see what products are available per location. Currently, our Installment Loan product is the only product available online.

At QFund, we give you options when it comes to how you want to apply for a loan. You can visit us at any one of our Store Locations and receive your money in person within minutes. Because we are flexible, you can also Apply Here, and fill out an online loan application. This gives you the convenience you need to get your loan directly deposited into your bank account without leaving your home.
Online loans are usually deposited into your bank account within 24 business hours.

All you need is to be employed or have proof of income, be a US citizen at least 18 years of age and have an active checking account. Members of the military and those who have recently filed for bankruptcy are not eligible for an online loan.

For a cash advance, it does not matter if you have bad credit or no credit at all. Our loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.

No collateral is necessary or accepted for our cash advance or installment loan product. Collateral is needed for our title loans and it must be a free and clear title.

No. You will not be charged to apply for the loan, whether or not you are approved. Plus, with our satisfaction guarantee, you won't be charged any fees if you change your mind about the loan within 48 hours.

How much you can borrow depends upon the state in which you reside. Please Click Here to see the individual state rate charts.

You will generally receive your money the next business day. For security purposes, we must be able to contact you by telephone before your loan is funded.

Shortly after we have all the necessary information, we will send you an email advising whether or not you are approved.

No. QFund requires no faxing as a part of the loan application.

Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:
Financial Implications - Currently, no past due interest is assessed on any loans you may obtain from us or that we may arrange for you . However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state - see your transaction agreements for additional details).
Collection Activity - We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, SMS or email. We may also exercise any of our rights under our loan or credit services agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also institute collection activity with you .
Impact on Your Credit Score - Our Installment and Title Loan payment activity are reported directly to Transunion Credit Bureau. Likewise, we also use alternative credit reporting agencies, such as the PRBC. Failure to make timely payments on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
Renewal of your Loan - We do not automatically renew any of our loans or credit services transactions. Where refinances or renewals are available (varies by state), you may obtain a refinance or renewal of your loan or credit services transaction by logging in to your account prior to your due date and applying for a renewal or refinance. In connection with any renewal or refinance, you will be required to e-sign new transaction agreements for such renewed or refinanced transaction and our standard rates for loans or credit services transactions will be assessed on such renewal or refinance (varies by state - see posted fee schedules).

Your loan will be due on your next approved payday (loan durations are state specific). You will be informed of the due date when your loan is approved. You may also have the option to pay off the loan early or renew the loan until your next payday (if applicable in your state).

QFund will initiate a transfer of funds from your bank account on the day the loan is due.

Certain products allow for a credit in fees if you pay your loan off prior to its maturity date. Please contact one of our locations for more details.