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Serving Mississippi and Louisiana 
800-307-5124 (Toll Free)
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Fee Schedules
Serving Mississippi and Louisiana
833-854-4366 (Toll Free)
Serving Mississippi and Louisiana
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Fee Schedules

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Direct Express Advance is the premier company that offers a loan off of your card. Contact us today — applications are replied to within 24 hours.

What is my payment schedule?

For Mississippi residents, your payment schedule is as follows:
For Louisiana residents, your payment schedule is as follows:
Your card will be charged for your monthly payments. Transaction processing fees may apply to your monthly payments.

IMPORTANT DISCLOSURES

This is an expensive form of credit. Direct Express Advance installment loans are designed to meet your borrowing needs. Appropriate emergencies may be a car repair, medical care for you or a family member, or travel expenses in connection with your job.

This service is not intended to provide a solution for all credit needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings, or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and insufficient funds/returned item fees may apply as described in your Consumer Credit Agreement Addendum. We will never charge you any hidden feesĀ that are not fully disclosed in the Addendum.

If you don’t make a payment on time, we will attempt to contact you via one or more authorized methods. Our collections methods will be in accordance with the guidelines of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one of more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with a third-party collection agency.

For Louisiana residents,
IF YOU CANNOT MAKE A PAYMENT WHEN DUE, YOU CAN ASK TO ENTER INTO AN EXTENDED PAYMENT PLAN ONCE IN A TWELVE-MONTH PERIOD, BUT THE REQUEST MUST BE MADE BEFORE PAYMENT IS DUE. REQUESTS MUST BE IN WRITING AND MAY BE MADE IN PERSON, BY EMAIL, OR FACSIMILE (LICENSEE/LENDER TO INSERT NAME, EMAIL ADDRESS, PHONE NUMBER, AND FACSIMILE NUMBER HERE). IF (LICENSEE/LENDER TO INSERT NAME HERE) REFUSES TO ENTER INTO AN EXTENDED PAYMENT PLAN UPON YOUR REQUEST BEFORE THE DUE DATE, CONTACT THE OFFICE OF FINANCIAL INSTITUTION AT 1-888-525-9414.

General Information Regarding “Credit Availability” Transactions

Mississippi Department of Banking and Consumer Finance

IF YOU HAVE ANY UNRESOLVED PROBLEM WITH A TRANSACTION AT THIS LOCATION, YOU ARE ENTITLED TO ASSISTANCE.

PLEASE CALL OR WRITE:
The Mississippi Department of Banking and Consumer Finance
Post Office Box 12129
Jackson, MS 39236
Phone 800-844-2499
Fax 601-321-6933

A Credit Availability loan is a binding contract to borrow money that is intended for short-term use and is not generally based on your credit report. This loan may be paid-off at any time. Paying off a loan early may result in paying less fees.

Borrower’s Rights and Responsibilities
  • A borrower has the right to rescind (cancel) the transaction within one (1) business day; however, if the borrower accepts the funds from the lender prior to the expiration of the one-day cancellation period, any origination fee charged shall be non-refundable.
  • A borrower may be charged a monthly handling fee up to $25.00 per $100.00 borrowed per month.
  • A borrower may be charged an origination fee of 1% of the amount disbursed or $5.00, whichever is greater.
  • Loans of $500.00 or less must be payable in an overall term of 4 to 6 months.
  • Loans of more than $500.00 and up to $2,500.00 must be payable in an overall term of 6 to 12 months (Max loan is $2,500.00).
Lender Rights in the Event of Default by the Borrower
  • A lender may charge a late fee of 10% of the past-due amount 10 business days after the due date, provided that such fees are clearly disclosed in the contract.
  • If a borrower is in default for more than 60 days, a lender may charge and collect the following fees only if they are required to employ a third party, including an attorney:
    • A reasonable collection fee and/or attorney’s fee.
    • All court cost incurred including contractual damages.
    • Fees and costs related to the repossession and sale of collateral.
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