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PLS Finanical Payday Cash Advance, Title Loan, Check Cashing FAQ

Q:
What do I need to bring to PLS to apply for an Auto Title Loan?
A:
You need a valid drivers license and a lien-free vehicle title.  Your vehicle must also be present.
Q:
For an Auto Title Loan, what condition does the vehicle have to be in?
A:
The vehicle should be well-kept, in average to excellent condition.
Q:
What is the maximum I can borrow against my vehicle with an Auto Title Loan?
A:
You can borrow up to 50% of your monthly gross income or 50% of the vehicle's value.  Your vehicle is assessed at the store before your maximum loan amount is determined.  See your nearest PLS Auto Title Loans for details.
Q:
How long is the loan period for an Auto Title Loan?
A:
It’s a 30 day loan period.
Q:
What is the charge for an Auto Title Loan?
A:
Charges vary by state.  See your nearest PLS Auto Title Loans location for details.
Q:
Who do I call if I have a question or comment about my Auto Title Loan?
A:
Call 888-4-PAYDAY.
Q:
What would I need to bring to apply for a "Smart" Installment Loan?
A:
You need to bring:
  • Valid photo ID
  • Your most recent pay stub
  • Your most recent bank statement
  • Your checkbook
Q:
How much are the fees for a "Smart" Installment Loan?
A:
It depends on the amount that you borrow.  See your nearest PLS Payday Loan Store for details.
Q:
How much can I borrow with a "Smart" Installment Loan?
A:
You can borrow up to 50% of your monthly gross income or $2,000.
Q:
Why do I need a checking account to take out a "Smart" Installment Loan?
A:
You provide a post-dated check as collateral until your loan is paid in full.
Q:
Can I take out more than one loan at a time?
A:
Yes.
Q:
Do you accept starter checks when I apply for a "Smart" Installment Loan?
A:
Yes!  We accept starter checks.
Q:
Would I be able to take out a "Smart" Installment Loan if I receive Social Security benefits?
A:
Absolutely!  It's no problem.
Q:
Do you give a check, or do you issue the "Smart" Installment Loan in cash?
A:
Most stores issue loans in cash.  See your nearest PLS Payday Loan Store for details.
Q:
How do I pay back the "Smart" Installment Loan?
A:
The "Smart" Loan is an installment loan, so you pay a portion of the loan plus interest every payday, until the loan is paid in full.  Most loans are fully paid off in 5 months.
Q:
Is there a penalty if I pay off my "Smart" Installment Loan early?
A:
No.  You can pay off the loan at any time.
Q:
Could you deposit the money from a "Smart" Installment Loan into my checking account?
A:
No.  Most stores will issue the loan in cash.  See your nearest PLS Payday Loan Store for details.
Q:
Why do I have to write a check out each time I make a payment on my "Smart" Installment Loan?
A:
With every payment you make, your "Smart" Installment Loan balance is reduced.  So your new check reflects the lower collateral needed to cover your loan.
Q:
Do you do a credit check when I apply for a "Smart" Installment Loan?
A:
No.  A credit check is not required.
Q:
Can I take out a "Smart" Installment Loan if I have filed for bankruptcy?
A:
Yes - as long as your bankruptcy has been discharged.
Q:
If my checking account balance is negative, would I be able to take out a "Smart" Installment Loan?
A:
Yes.
Q:
How long does it take to get a "Smart" Installment Loan?
A:
It takes an average of 20 minutes.
Q:
Do I get the money the same day that I apply for a "Smart" Installment Loan?
A:
Absolutely!  You receive the money right away.
Q:
Who do I call with questions or comments about my "Smart" Installment Loan?
A:
Call 888-4-PAYDAY.
Q:
What do I need to bring to PLS for a Payday Loan?
A:
You need to bring:
  • A valid photo ID
  • Your most recent pay stub
  • Your most recent bank statement
  • Your checkbook
Q:
Can I have both a Payday Loan and an Auto Title Loan at the same time?
A:
This varies by state.  In some states, a customer can have both a Payday Loan and an Auto Title Loan as long as both amounts are in line with their gross bi-weekly income.  Please check with your nearest PLS Loan Store for details.
Q:
Do you accept check cards as payment for a Payday Loan?
A:
No.  We don't accept check cards as payment for a Payday Loan.
Q:
Do you accept starter checks when I apply for a Payday Loan?
A:
Absolutely!  We accept starter checks when you apply for a Payday Loan.
Q:
How many times can I extend my Payday Loan?
A:
This varies by state.  Please see your local PLS Payday Loan Store for details.
Q:
Can I cancel my Payday Loan if I change my mind?
A:
Depending on state law, you may be able to cancel your loan within a specified amount of time with no charges. 
Q:
Will you check my credit when I apply for a Payday Loan?
A:
No.  A credit check is not required to apply for a PLS Payday Loan.
Q:
Who do I call if I have a question or comment about my PLS Payday Loan?
A:
If you have a question or comment about your PLS Payday Loan, call 888-4-PAYDAY.
Q:
Do you have money transfer services?
A:
Yes.  All PLS Check Cashers locations offer either Western Union or MoneyGram money transfer services.  Contact the store for complete details.  
Q:
Can I cash a personal check?
A:
Yes.  Please visit  the store nearest you for further details.
Q:
Can I cash a paycheck?
A:
Yes.  All PLS Check Cashers stores cash paychecks.  Stop in for more details.
Q:
Can I cash a government check?
A:
Yes, PLS Check Cashers will cash your government checks!  While you are at the store, please ask your Customer Service Representative to explain Xpress Benefits.  Xpress Benefits offers worry-free direct deposit of SSI, SSA, VA and other benefits.  Join the thousands of happy PLS customers that enjoy the freedom of direct deposit each and every month. 
Q:
Do you do a credit check when I sign up for a PLS Visa Prepaid Card?
A:
No.  A credit check is not required.
Q:
Can I set up direct deposit of my paycheck?
A:
Yes.  Just sign up for a PLS Visa Prepaid Card and your paycheck can be deposited directly into your Visa card account.  It is easy, convenient and safe!
Q:
Can I set up direct deposit of my government benefits check?
A:
Yes!  If you sign up for PLS Xpress Benefits, you can receive direct deposit of your Social Security, SSI, VA benefits and government pension at PLS Check Cashers.   It is quick, easy and safe!
Q:
How much are money orders?
A:
Money orders are free - all the time, every day.
Q:
Do you accept debit cards as payment for a Payday Loan?
A:
No.  We do not accept debit cards as payment for a Payday Loan.
Q:
Is there a penalty if I pay off my Payday Loan early?
A:
No.  You can pay off your payday loan at any time with no penalty.
Q:
Do you give a check, or do you issue my Auto Title Loan in cash?
A:
At most stores, you'll receive your loan as a check.  Please see your nearest PLS Auto Title Loans for details.
Q:
Do you give a check, or do you issue my Payday Loan in cash?
A:
At most stores, you'll receive your loan in cash right away.  Please see your nearest PLS Payday Loan Store for details.
Q:
Do I get the money on the same day that I apply for a Payday Loan?
A:
Absolutely!  You receive your loan in cash on the same day that you apply.
Q:
Do I get the money on the same day that I apply for an Auto Title Loan?
A:
Absolutely.  You receive your loan in cash on the same day that you apply.
Q:
Can I get a permit at PLS Vehicle Registration?
A:
You can get a 3-day, 30-day or 90-day permit at PLS Vehicle Registration  locations in Arizona.
Q:
Can I register my car at PLS Vehicle Registration?
A:
Yes, you can!  Registration for cars is available at PLS Vehicle Registration locations in Arizona. 
Vehicle registration is also available at PLS Check Cashers in California and Illinois.  See your nearest PLS Check Cashers for details. 
Q:
Can I register my motorcycle at PLS Vehicle Registration?
A:
Yes, you can! Registration for motorcycles is available at PLS Vehicle Registration locations in Arizona.
Motorcycle registration is also available at PLS Check Cashers in California and Illinois. See your nearest PLS Check Cashers for details.
Q:
Can I register my RV or mobile home at PLS Vehicle Registration?
A:
Yes, you can! Registration for RVs and mobile homes is available at PLS Vehicle Registration locations in Arizona.
RV and mobile home registration is also available at PLS Check Cashers in California and Illinois. See your nearest PLS Check Cashers for details.
Q:
Can I get a duplicate vehicle title at PLS Vehicle Registration?
A:
Yes.  Duplicate title service is available at PLS Vehicle Registration in Arizona.
Q:
Can I get a duplicate registration at PLS Vehicle Registration?
A:
Yes.  Duplicate registration is available at PLS Vehicle Registration locations in Arizona.
Q:
Can I transfer my vehicle title at PLS Vehicle Registration?
A:
Yes.  Vehicle title transfer for all motor vehicles, including cars, motorcycles and mobile homes, is available at PLS Vehicle Registration locations in Arizona.
Q:
Can I renew my vehicle registration at PLS?
A:
Yes, you can! Vehicle registration renewal is available at PLS Vehicle Registration locations in Arizona.

Vehicle registration renewal is also available at PLS Check Cashers in California and Illinois. See your nearest PLS Check Cashers for details.
Q:
What information do I need to file my tax return?
A:
If you have received your W-2, showing your wages earned for the year, then you are ready to file your tax return. 
Visit your nearest PLS Tax Service location for a FREE tax consultation or call 1-888-4-PLS-TAX for more information.
Q:
How do I get a tax identification number or ITIN?
A:
If you don't have a Social Security number, then you will need an Individual Tax ID Number - or ITIN.  You can file a W-7 form to apply for an ITIN.
PLS Tax Service provides FREE W-7 processing.   Please see a PLS Tax Service professional or call 1-888-4-PLS-TAX for more information.
Q:
How can I get my tax refund more quickly?
A:
The best way to get a speedy tax refund is to file your income tax return as early as possible.  Once you receive your W-2, you are ready to file your tax return.
Electronic filing of your tax return, available through PLS Tax Service, also helps speed up your refund.
PLS Tax Service can help you get a head start on your tax refund.  See a PLS Tax Service professional for details.
Q:
How can I get direct deposit of my Social Security benefits?
A:
You can enroll in PLS Xpress Benefits, available at PLS Check Cashers, to receive direct deposit of your Social Security benefits.  With PLS Xpress Benefits, you can receive your benefits up to 4 days sooner than through the mail!
Q:
How can I get direct deposit of my SSI benefits?
A:
You can enroll in PLS Xpress Benefits, available at PLS Check Cashers, to receive direct deposit of your SSI benefits. With PLS Xpress Benefits, you can receive your benefits up to 4 days sooner than through the mail!
Q:
How can I get direct deposit of my VA benefits?
A:
You can enroll in PLS Xpress Benefits, available at PLS Check Cashers, to receive direct deposit of your VA benefits. With PLS Xpress Benefits, you can receive your benefits up to 4 days sooner than through the mail!
Q:
How can I get direct deposit of my government pension benefits?
A:
You can enroll in PLS Xpress Benefits, available at PLS Check Cashers, to receive direct deposit of your government pension benefits. With PLS Xpress Benefits, you can receive your benefits up to 4 days sooner than through the mail!
Q:
Do I have to claim my Unemployment wages on my tax return?
A:
Yes!  Unemployment wages must be included in your taxable income and reported to the Internal Revenue Service and your home state.
Q:
Can I claim my girlfriend's child on my tax return?
A:
No, you may not.  You can only claim relatives that you support who live in your home, excluding cousins, girlfriends, boyfriends and pets.  Anyone you claim must meet all of the dependency tests.  See a PLS Tax Service professional for more information.
Q:
Can I deduct the repairs I made to my home on my income tax return?
A:
No.  Your home is your personal residence, so you cannot claim home improvements as deductions.  In certain instances, the sales tax paid on these improvements may qualify as a deduction.  Please see a PLS Tax Service professional for more information.
Q:
Can I claim my vehicle mileage on my income tax return?
A:
Yes, you can if your job requires you to travel from one site to another.   However, you cannot deduct miles if your employer reimburses you for your mileage.  Also, miles to and from your home are not deductible.  See a PLS Tax Service professional for more information.
Q:
I live in my sister's house. She filed as head of household and got a large tax refund. I'm single with no kids. Can I file as head of household too?
A:
No.  In order to file as head of household, you must have dependents living in your home and must have paid for more than half the cost to maintain the home for at least six months of the tax year.  See a PLS Tax Service professional for more information.
Q:
Why do I need a checking account to take out a Payday Loan?
A:
You provide a post-dated check as collateral until your loan is repaid.
Q:
Do I get the money the same day that I apply for a Payday Loan?
A:
Absolutely!  You receive the money right away.
Q:
How much can I borrow with a Payday Loan?
A:
Loan amounts vary by state.  See your nearest PLS Payday Loan Store for details.
Q:
How long does it take to get a Payday Loan?
A:
It takes an average of 20 minutes.
Q:
I only worked for two months and earned $1,200. Do I need to file a tax return?
A:
Yes.  All wages that you earn must be reported and filed.
Q:
If I pay child support, can I claim my child on my tax return?
A:
The parent that the child lives with is eligible to claim the child for Earned Income Credit.  If a parenting plan or court order has been issued, refer to it for instructions on who may claim the child as a dependent during the tax year.  If no order is in place, then dependency tests must be used to determine eligibility.  See a PLS Tax Service professional for more information.
Q:
I recently had a baby and I do not have her Social Security number yet. Can I still claim my child as a dependent and get an exemption?
A:
Not until you have a Social Security number.  You may claim your child once you have a Social Security number and receive a full exemption.  If you don't have a Social Security number by the filing deadline, then you can file without your child listed.  Once you receive the Social Security number, you can file an amended return and receive the full exemption.  Please see a PLS Tax Service professional for more information.
Q:
Can I use my child support income to get an Earned Income Credit on my tax return?
A:
No.  Child support is not considered earned income. 
Q:
What is an ITIN?
A:
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service.  It is a nine-digit number that always begins with the number 9 and has a 7 or 8 in the fourth digit, for example 9XX-7X-XXXX.
The IRS issues ITINs to individuals who are required to have a US taxpayer identification number, but who do not have and are not eligible to obtain a Social Security number (SSN).
ITINs are issued regardless of immigration status because both resident and nonresident aliens may have US tax return and payment responsiblities under the IRS Code.  Please see a PLS Tax Service professional for more information.
Q:
Can I take out a Payday Loan if I have filed for bankruptcy?
A:
Yes - as long as your bankruptcy has been discharged.
Q:
If my checking account balance is negative, would I still be able to take out a Payday Loan?
A:
Yes!  You can still take out a Payday Loan.
Q:
How long does it take to get a Payday Loan?
A:
It takes an average of 20 minutes to get a Payday Loan.
Q:
How much are the fees for a Payday Loan?
A:
Fees vary by state.  See your nearest PLS Payday Loan Store for details.
Q:
What is a Refund Anticipation Loan?
A:
A Refund Anticipation Loan is a short-term consumer loan secured by the expected value of your tax refund.
Q:
What is Electronic Filing of my income tax return?
A:
With Electronic Filing, your tax return is submitted directly to the IRS electronically - no paper forms!  It's the fastest way to file your taxes, and can mean that you receive your refund more quickly. 
Q:
Can I have both a Payday Loan and an Auto Title Loan at the same time?
A:
This varies by state. In some states, a customer can have both a Payday Loan and an Auto Title Loan as long as both amounts are in line with their gross bi-weekly income. Please check with your nearest PLS Loan Store for details.
Q:
What if I have a lien on my vehicle?
A:
All liens must be released from the Title prior to PLS issuing the loan.
The reason for this is that PLS does not know how much interest the current lien holder (or holders) may have in the vehicle. Once this occurs, PLS would then be able to process and issue the loan pending an inspection of the vehicle.


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