Frequently Asked Questions.
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What is a Flex Pay loan?
A fast convenient loan until your next payday. Flex Pay loans are designed to be short term loans to meet an immediate cash need and not intended as a solution for longer term financial problems.
How much can I borrow?
Each individual circumstance varies based upon income levels, and other factors, but the customer service representatives will do their best to assist you with your request.
Does it matter if I have bad credit or no credit?
It does not matter if you have bad credit or no credit at all. Flex Pay loans are designed to help people in need of emergency credit. Green Trust Cash does not perform credit checks with the three credit reporting Bureaus. Credit checks or consumer reports may be obtained through alternative providers, which typically will not affect your credit.
How do I qualify for a loan?
Qualifying is easy and even if you have bad credit you can still get approved for a loan. Minimum qualifications include:
- Currently Employed
- Make at least $1500 per month
- 21 years of age or older
- Have a checking account
- How will I know I am approved?
How do I get the money?
Applications processed and approved before 5pm CST are typically funded the next business day. You can request same day wire transfer up to 3pm CST M-F for an additional fee of $15. Please verify with your bank as additional incoming wire fees may be assessed.
How much does it cost?
Short-term loans are an expensive form of borrowing. Please click the “Rates” tab at the top of the page to calculate your APR and fee.
Can I extend the loan and when will my loan be due?
Your loan is due on your following pay date. On your next pay date when your loan is due, you may:
- Pay your loan in full by paying the principle loan amount plus the finance fee due.
- Extend your loan by paying only the finance fee. Your principle loan amount will be extended to your following pay date and will be charged an additional finance fee of $30 per hundred principle balance ($15 per hundred for weekly pay periods).
- Extend your loan by paying the finance fee plus make an additional payment towards principle which will reduce your next finance fee to 30% of remaining principle balance (15% of the remaining principle balance if paid weekly).
- You may extend your loan up to 4 times without paying any amount toward principle, at that point you will be required to pay down a minimum of $10 towards principle plus fees going forward.
What if I am late with a payment or my payment is returned by my bank?
If payment arrangements or a grace period has not been agreed to prior to your due date your account will be assessed a late/returned item fee of $30. Please contact customer service to prevent any late fees at 1-866-479-0784.
How do I make payments?
Typically repayment is made via ACH transaction from your bank account on your due date. However, you do have the option of paying in any of the following manners; ACH as previously stated, debit card, cashier's check or certified check. If you choose to pay by cashier's or certified check it must be received by mail at PO Box 340 Hays, MT 59527 on or before your due date.
Do you have a referral program where I can earn money for referring friends?
Yes. Get $50 cash for every friend you refer, no limits. See Refer a Friend for more details.
How do I cancel my loan or get a refund?
You may cancel Your payment obligations under this Loan Agreement, without cost or finance charges, no later than 3:00 P.M. Mountain time of the next business day immediately following the Disbursement Date (Cancellation Deadline). Your right to cancel your loan only applies if your loan either hasn't funded or, if it has, the funds are returned to us as explained below.
To cancel your payment obligations on this loan, You must inform us, in writing, by or before the Cancellation Deadline, either by email to firstname.lastname@example.org or by fax (866) 479-2474, that you want to cancel the future payment obligations on this loan. If We timely receive your written notice of cancellation on or before the Cancellation Deadline but before the loan proceeds have been credited to your bank account, then we will not debit your bank account and both Your and Our obligations under the Loan Agreement will be rescinded. However, if we timely receive your written notice of cancellation on or before the Cancellation Deadline but after the loan proceeds have been credited to your bank account, then you authorize us to effect a debit to your bank account for the principal amount of this Loan Agreement. If we receive payment of the principal amount via the debit, then both Your and Our obligations under the Loan Agreement will be rescinded. If we do not receive payment of the principal amount by debit to your bank account, then the Loan Agreement will remain in full force and effect.