What is the minimum order amount?

The minimum order amount is $75.00.

How can I return an item?

If you’re not satisfied for any reason, please call for a Return Authorization number. Have your original invoice ready.

What payment methods do you accept?

We accept VISA, MasterCard, American Express, cash, and cashier's checks.

What are your shipping methods?

We use UPS, FedEx, and U.S. registered mail, or can comply with your shipping preferences.

What is a payday loan?

A payday loan is a short-term loan intended to cover urgent expenses until the next payday.

How quickly can I get approved?

You can often get approved within minutes after submitting your application.

Do I need good credit to qualify for a payday loan?

No, many payday loans are available for individuals with bad credit.

What are the fees involved?

Fees vary by lender, but there may be charges associated with processing the loan.

What types of items do you accept for loans?

We accept a wide range of items including jewelry, electronics, musical instruments, tools, and more.

Do you perform credit checks for loans?

No, we do not check your credit score for loans.

What are your business hours?

We are open Monday through Saturday from 9:00 AM to 5:00 PM and closed on Sundays.

Is there a warranty on the products purchased?

Yes, all our products come with a warranty.

What types of loans do you offer?

We offer a wide variety of loans, including SBA loans, equipment financing, alternative loans, lines of credit, and more.

Is there a credit check during pre-qualification?

No, our pre-qualification process does not impact your credit score.

How long does it take to get approved?

Our streamlined process allows for quick pre-qualification, and upon application completion, funding can occur swiftly.

Are there hidden fees?

We pride ourselves on transparency, with no hidden fees and upfront communication about the loan terms.

What types of items can I pawn or sell?

You can pawn or sell items such as gold, jewelry, designer handbags, electronics, and various collectibles.

What are your loan options?

We offer flexible loan terms with a minimum repayment period of 1 month and a maximum of 4 months and 11 days.

What are your interest rates on loans?

The interest rate is 2.9% per month, which translates to 35% APR for loans borrowing 30%-50% of the liquid wholesale value.

How can I get a quote?

You can get a quote by visiting our website or calling us directly.

What is a payday loan?

A payday loan is a short-term, unsecured cash advance that you'll repay on your next payday, helping to cover unexpected expenses without incurring bank penalties.

How much collateral do I need to get a payday loan?

No collateral is needed; your job and regular income serve as your collateral.

What are the minimum requirements to qualify for a payday loan?

To qualify, you need a job or regular income, be at least 18 years old, and have a checking or savings account.

How fast can I get my payday loan?

Once qualified, you can receive your loan by 5 PM PST the next business day, if your bank processes electronic deposits.

What documents do I need to apply for a payday loan?

There are no documents to fax; all applications are processed online.

How will I know my loan approval status?

You will be notified by phone or email within an hour during business hours, or the next business morning if outside those hours.

When do I need to repay the loan?

Loan payments are typically due on your next payday, with loans lasting up to 30 days.

How much does it cost to apply for a payday loan?

There is no cost to apply; Cash Depot does not charge hidden fees.

Can I get a payday loan with bad credit?

Yes, Cash Depot does not check credit history, focusing instead on your current job and income.

If I have declared bankruptcy, can I still qualify?

Yes, as long as you have a job and receive a regular paycheck.

Can I obtain a payday loan if my income is from Social Security or a pension?

No, Cash Depot does not provide loans against retirement income.

What Type Of Loans Do You Offer?

We provide various loan options including payday loans and installment loans. Payday loans typically range from $100 to $2500, suited for immediate needs, while installment loans can be repaid over a period of 1 to 60 months.

Does Dime Alley Charge Fees? Are There Early Exit Fees?

No fees are charged for loan requests. We operate on a commission basis with our lending partners. There are no early exit fees for terminating your loan agreement early.

What is The Criteria For a Loan?

You must be a US or Canadian citizen, at least 18 years old, have a social security number, a live checking account, be employed with a monthly income of at least $500, possess a working email and phone number, and have no recent bankruptcies.

Will Applying for a Payday Loan Impact my Credit Score?

Applying for a loan won't negatively affect your credit score. However, your score may improve with timely repayments.

Which States are Eligible?

Dime Alley operates in all states where payday loans are legal in the US, including states like Alabama, California, Florida, Illinois, and Texas.

How Long is the Process?

The online application takes about 5 minutes. If successful, funds may be transferred within 24 hours.

How Does Repayment Work?

Repayments are automatically collected from your bank account on an agreed-upon schedule. You will receive notifications prior to repayment.

What If I Have to Repay Late?

Late repayments may incur fees and negatively impact your credit score. It's essential to communicate with your lender if you anticipate difficulty.

Can I Cancel My Loan At Any Time?

Yes, you can cancel your loan within a cooling period of 24 hours after signing. After this, daily interest will accrue.

What Happens if My Loan is Declined?

If declined, no fees occur and your credit score remains unaffected, though there might be a small footprint on your report.

Is Dime Alley a Direct Lender or Broker?

Dime Alley acts as a broker, receiving commission from over 50 lenders upon successful applications.

Yes, Dime Alley has been operational since 2021 and partners with a reputable panel of lenders.

Can I Apply On Behalf of Someone Else?

Typically, applications should be made by the individual needing a loan. Exceptions may exist for specific circumstances.

Can I Get a Loan if I am Unemployed or Self-Employed?

Applicants should usually be employed. Loans may be accessible for those unemployed under special circumstances or if self-employed with a steady income.

What types of items do you accept for pawning?

We accept jewelry, watches, electronics, power tools, musical instruments, and more.

What are your interest rates?

We guarantee the lowest interest rates, but check in-store for specific details.

Is there any fee for the first loan?

We offer free interest on your first loan with us; please visit our stores for more details on this offer.

What is a Short Term Loan?

A short term loan or payday loan is a small loan, usually between $100 and $1000, designed to help individuals cover expenses until their next payday. These loans are accessible regardless of credit scores.

How Can I Qualify for a Short Term Loan?

To qualify, you need to be at least 18 years old, have a valid bank account, be legally employed in the US, and meet income requirements, although you do not have to be employed.

What if I Have Multiple Jobs or I am Self-Employed?

If you have multiple jobs, disclose your primary job and provide details about others during your application. Self-employed individuals must show consistent income for at least 90 days.

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