Frequently Asked Questions (FAQ)
Have a question? Check out our FAQ list. If you have a question you’d like to see added, please let us know.
Rates and Terms
Cash Advance loan, Installment loan and Title Loans costs vary depending on the state you live in, the amount borrowed, and the term. Visit our Rates and Terms page to see what loans are available in your state and their costs.
State License
JumpStart Loans understands your concerns as a consumer and the importance of responsible lending. We abide by the applicable laws and regulations in those states in which we operate. Customers with credit difficulties should seek credit counseling.
At JumpStart Loans, you can expect:
- Quick Loan Approval
- Outstanding Personal Service
- A Simple Process for Quick Money
- A Secure, Reliable and State-Licensed Lender
- Quick Help for Life’s Emergencies and Confidential 24/7 Online Convenience
JumpStart Loans is headquartered in 2840 NW 2ND AVE Bay 304 Boca Raton, FL 33431.
JumpStart Loans does not loan in all states. We are licensed in the state of Florida.
Florida Office of Financial Regulation
200 E. Gaines Street, Tallahassee, FL 32399
Statewide Office locations
(850) 487-9687 Fax: (850) 410-9663
Refinancing
A refinance allows you to revise your payment schedule for repaying your debt. Refinancing allows you to pay only the finance charge on your original loan and subsequently enter into a refinanced loan agreement. In some states a portion of the principal is required to be paid as well. By refinancing a loan, you pay more over the life of the loan than would have otherwise been paid if the original loan had been paid in full on its original due date. The refinanced loan will have the same costs as the original loan did, assuming there is no additional principal added. Refinances must be submitted by 7:45 PM EST the business banking day before your loan is due.
Paying Back Your Loan
We value each and every one of our loyal customers, and to show our appreciation we will often offer discount codes to help customers save on the fees of their loan.
The total amount due is electronically withdrawn, directly from your checking account, on your due date. For alternative repayment options, please contact us.
Your loan is paid back in the same way it was deposited. If your loan is current, the scheduled amount due is electronically withdrawn, directly from your checking account, on your due date. If your loan is not current, please call us at (954) 401-1728. For alternative repayment options, please contact us.
Any prepayment will first be applied to outstanding fees and interest, and then towards principal. Any prepayment will not relieve you of your obligation to make your next scheduled payment.
We offer several ways you can make your payment.
ACH or Debit Card Payment. You can make a payment via ACH using your routing and account number, or with your Visa or Mastercard debit or prepaid card. There are two ways you can do this.
- Log in and make or schedule a payment through your JumpStart Loans account.
- Call us at (954) 401-1728 to make or schedule a payment with a customer service representative.
Approval
We often loan to people who have had past credit problems. The best way to find out if you are eligible for a JumpStart Loans loan is to fill out a new customer application. If you have been approved, sign in at the Customers Section and submit your loan request.
Loan approval is quick.* Simply fill out the 3-step application and you’ll know your approval status in moments.
You may rescind the Agreement before the close of the business day* following the date on which you receive the loan at no cost. Please contact customer service if you want to rescind your loan.
JumpStart believes in being secure, reliable and state law compliant. As a point of assurance in your transaction, JumpStart does require several signatures. These signatures not only allow you to acknowledge your transaction, they also allow you a physical trail of your transaction. In addition, many state laws require customer acknowledgment in certain areas of the contract, for example, electronic funds transfers and refinances. All steps go toward assuring you of a legitimate and secure transaction.
We use the online verification process to help confirm your identity, to combat fraud and provide a safe and convenient way to verify your application. JumpStart also uses the bank account information to underwrite your application.
Getting Your Money (Funding)
Your JumpStart Loans loan proceeds will be directly deposited to your checking account on the day you select in the application process (subject to governing state rules). When you sign your loan contract, you authorize JumpStart Loans to direct deposit your requested loan amount into your checking account.
Loan amounts are determined according to our underwriting criteria in combination with state law.
You can login and securely upload your income verification. This is the fastest way. Or you can use a scanner or your mobile phone to capture one of the following (Please note: These documents should not be older than 30 days.)
- Official paystub.
- Official payroll receipt.
- Receipt showing payment of retirement benefits.
- Receipt showing payment of government benefits.
- Statement from bank showing direct deposit of government benefits.
Repayment Options:
When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal or, if you’ve provided it, the debit card associated with your checking account. If you need an alternative method of payment, please call 1-954-401-1728. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in Florida.
An insufficient funds fee of $25.00 may be charged if the face value of the check/item is greater than $50.00; or $40.00 if the face value of the check/item is greater than $300.00.
Contact Us
JumpStart Loans is dedicated to making sure your loan experience is a good one. Whether you have questions, comments, or just want to get in touch, contact us at [email protected]. We’re here and looking forward to hearing from you.
Phone:
(954) 401-1728
Main Office Address:
JumpStart Instant Loans
2840 NW 2nd AVE
Bay 304
Boca Raton, FL 33431