Frequently Asked Questions
EZ CA$H of Delaware, Inc. is a team of consumer loan specialists for Delaware and Maryland clients who need fast access to money when life's expenses catch them off guard. We prioritize making the loan process simple, transparent, and stress-free. We opened our doors in 1998 and, with decades of experience, have compiled a list of the most frequent questions we receive from potential loan applicants. We invite you to review these questions, and if your question isn't answered here, contact one of our locations for more information.
Questions
Q: What Kinds of Loans Does EZ CA$H of Delaware, Inc. Offer?
A: We offer two types of loans: standard consumer loans and special holiday loans, which are popular from October through December.
Q: What Are the Requirements for Obtaining a Loan?
A: Our loan requirements are straightforward. As long as you meet the criteria below and can provide the requested paperwork, acquiring a loan is fast and simple.
You must:
- Be at least 19 years old
- Have a net income of $750/month or more
- Be employed for at least three months
- Reside at your current address for a minimum of three months
- Have a checking or savings account open for at least three months
Additionally, bring the following documents:
- Most recent bank statement
- Blank check
- Most recent pay stub
- Recent utility bill
- Driver's license or state ID
- Social Security card
Q: What if I Don't Have a Check?
A: If you don't have checks, that's not a problem. Instead, we would need your debit card and a statement from your bank with your routing and account number proving the two are linked.
Q: What if I Don’t Have a Utility Bill in My Name?
A: The utility does not have to be in your name. It just has to have an address that matches your license or ID.
Q: How Much Can I Borrow?
A: The loan amount depends on the type of loan.
- Consumer Loans - $50 to $3,000
- Holiday Loans - Up to $5,000
Q: When Will My Payment Be Due?
A: Payments will align with your specific pay date, making it easy to stay on top of your loan.
Q: How Can I Make Payments?
A: You can pay in person at any of our five locations, set up autopay, or call in your payment for added flexibility. We accept the following payment methods for your convenience:
- Cash
- Money Orders
- Visa
- Mastercard
- Discover
Q: How Fast Will I Get My Money (Loan Proceeds)?
A: Upon approval, you’ll receive your loan immediately. We know you need quick access to funds, so we ensure a fast and efficient process without long waiting periods.
Q: Do I Need to Undergo a Credit Check?
A: Standard consumer loans do not require a credit check.
Q: Is a Credit Check Required for Holiday Loans?
A: Holiday loans require a credit check to ensure proper qualification.
Q: What Are My Repayment Term Options?
A: We offer flexible repayment periods of 6, 9, 12, 15, 18, or 24 payments, so you can choose what works best for your budget.
Q: Can I Pay Off the Loan Early?
A: Yes, regardless of your repayment schedule, you can always pay off your loan early.
Q: Can I Apply Online?
A: While you can download an application online, completing the process requires visiting one of our offices in person. However, downloading and completing the application before you come to our office will save you some time. We also have applications available in Spanish. Please stop by; our team will guide you through the next steps!
Q: Are You Licensed?
A: Yes! We're a licensed lender in Delaware, regulated and overseen by the Office of the State Banking Commissioner.
Q: Why Should I Choose EZ CA$H of Delaware, Inc. for My Emergency Loan?
A: We pride ourselves on being a trusted lending partner to help you overcome financial challenges. Here's why customers choose us:
- Fast Approvals – Get funds immediately upon approval.
- Flexible Terms – Choose repayment periods that fit your needs.
- Transparency – No hidden fees, just clear terms every step of the way.
- Trusted Service – We’re fully licensed and backed by years of experience helping Delaware and Maryland residents.
Visit Us to Apply for a Loan
Delaware and Maryland residents can get an instant approval loan by visiting any of EZ CA$H of Delaware, Inc.'s office locations. Take the stress out of borrowing today, and start by either downloading our application or finding the closest location near you. Have any questions we didn’t answer here? Contact us anytime, and we'd be happy to help.