When we extend credit, we provide a credit agreement and related disclosures that contain important
information about the cost and terms of credit. This licensee cannot use the criminal process against a
consumer to collect any deferred deposit transaction. For example, our credit agreement and related
disclosures will disclose when payments are due, any fees due if a payment is late or returned to us unpaid
by your financial institution, and the finance charges due for the extension of credit. Loans are not renewed
automatically. Whether you have the option of renewing a loan can vary based on factors such as state law,
our credit policies, and the type of credit you request. The fees we may assess and other conditions that
apply if you ask to renew a loan will be described in the credit agreement and related disclosures. Click here
for more details about our consumer loan products and where they are available.
* Certain limitations apply. All loans subject to approval pursuant to Minute Loan Center underwriting
criteria. Minute Loan Center does not perform traditional credit checks as part of its credit transaction
approval process, but does verify applicant information via national databases including, but not limited to,
Clarity Services Inc and will reflect as such on your credit report. Due to state and verification requirements,
not all applicants for on-line request may be eligible for on-line approval by Minute Loan Center. Some
customers applying for Minute Loan Center loans may be required to submit additional documentation due
to state law and qualification criteria. See your local store for more details and additional disclosures or visit
the Products page for more details.
** Terms and conditions apply. In-store cash pickup not available in all states. Checks or alternative funding
options are available and may be issued instead of cash. Loan funding requires verification of application
information. Depending on ability to verify this information, loan funding may be extended up to two
business days. Terms and actual APR may vary based on various factors such as state, loan term, loan
product type, additional fees and/or other underwriting considerations including credit qualification on
Our efforts to collect past due accounts will be conducted in a professional and fair manner that complies
with applicable law. We may report information about your account to credit bureaus. Late payments,
missed payments, or other defaults on your account may be reflected in your credit report. For customers
having difficulty repaying their loan, repayment plans may be available and vary by state. For additional
information, please contact your nearest store location.
Personal loans should be used only for unexpected financial needs, not as a long-term financial solution.
Customers with credit difficulties should seek credit counseling.
IN ACCORDANCE WITH LOUISIANA CHAPTER 2-A §3578.4.1., IF YOU CANNOT MAKE A PAYMENT WHEN
DUE, YOU CAN ASK TO ENTER INTO AN EXTENDED PAYMENT PLAN ONCE IN A TWELVE-MONTH PERIOD,
BUT THE REQUEST MUST BE MADE BEFORE PAYMENT IS DUE. REQUESTS MUST BE IN WRITING AND MAY
BE MADE IN PERSON, BY EMAIL, OR FACSIMILE TO EMG ACQUISITION GROUP, LLC, 272 BENDIX RD, SUITE
500, VIRGINIA BEACH, VA 23452 OR ANY LOCAL EMG OFFICE. CALL OR FAX THEM AT 1-888-213-5744 OR
EMAIL AT QUESTIONS@EASYMONEYNOW.COM. IF EMG ACQUISITION GROUP, LLC REFUSES TO ENTER
INTO AN EXTENDED PAYMENT PLAN UPON YOUR REQUEST BEFORE THE DUE DATE, CONTACT THE OFFICE
OF FINANCIAL INSTITUTION AT 1-888-525-9414.