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General Requirements

See our locations for one closest to you or apply online here!

  • At least 18 years of age
  • A net income of at least $800 per month
  • Employed a minimum of three (3) months (we do accept Social Security and Disability)
  • Reside at current address a minimum of three (3) months
  • Have a checking or savings account for at least three (3) months
  • Not currently filing for a bankruptcy case or intending to voluntarily file for bankruptcy relief

What You Need

  • Most recent bank statement + a 30-day transaction printout (online banking customers can print this information in-store)
  • Two most recent pay stubs or your complete Social Security or Disability letter
  • A valid driver’s license or state ID
  • A check (or official document with routing and account number) and your debit card

Itemization of Charges

  • General Charges
    • Returned Check/Returned ACH (Electronic Debits) – $30 per item
    • Late Fees (more than 5 days late) – 5% of past due amount
    • Interest Rates Range: (Rates include Specials when available) – 6.73% – 30%
    • APR Range: (APR Rates include Specials when available) – 175% – 521.43%
  • Defaulted Accounts
    • Applicable fees related to Court Costs & Wage Garnishments
    • Post Judgment Interest is according to the current Delaware Legal Rate, which fluctuates.

Rev. 1/09/2024