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The services offered on this site are not in any way affiliated with or endorsed by the US Department of the Treasury or the Direct Express Card
Serving Mississippi and Louisiana 
800-307-5124 (Toll Free)
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Serving Mississippi and Louisiana
833-854-4366 (Toll Free)
Serving Mississippi and Louisiana
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Direct Express Advance FAQs

How will I receive my referral fee?

For every approved customer you refer and accepts an advance you will will receive a $10 referral fee. These funds will be sent to whatever financial information we are provided when the referring party entered into their advance.

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.

I was approved for the $100 advance initially. Can I receive a higher advance in the future?

Yes, you can apply for another advance after you pay out the first one. Most times, due to good payment history, customers receive higher credit limits on subsequent advances.
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How are the rates for my advance calculated?

For Mississippi residents, simply put the advance carries a handling fee of $25 per $100 advanced per month and is paid back over a 4 month period. The due date is calculated based on your next 4 monthly pay dates. Each advance carries a $5 origination fee. In the event of non-payment, a late fee of 10% may be charged if a payment is not received 10 business days after the due date. Below are more details of the advance.

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 WWW.DBCF.MS.GOV 

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.

For Louisiana residents, the total payments for the $200 loan, with all applicable fees, is $295, and for the $100 loan is $185. Simply, we spread your payments out equally over 3 months.
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How will I receive the proceeds from my advance?

You will receive your advance to your checking or savings account by providing us with your routing and account number. If you don’t have a checking or savings account you will be sent a Nexs card. The temporary Nexs card will be sent via priority mail and should be received within 2-4 business days. A permanent card will arrive shortly thereafter. Nexs cards do go inactive after 90 days of not being used. 

In the event this happens, future loans will have a new card activated and sent via priority mail. If the original card is still active any new advances can be sent to the card on the same day. Below are the fees associated with a Nexs card.
Call Direct Express Advance Today for a Fast and Easy Loan
800-307-5124 
(Toll Free)
Applications Replied to Within 24 Hours

NexsCard LC Fee Schedule

Fee Category
Fee Type
Fee Cost
Base Fees
Activation Fee
$5.95
Monthly Fee
$0
Adding Money
Direct Deposit
$2 per occurrence
Western Union / MoneyGram**
$2
Visa Readylink**
$2
Spending Money
Signature Transaction Fee (Domestic)
$1 per occurrence
PIN Transaction Fee (Domestic)
$2 per occurrence
International Signature OR PIN Transaction
2% of transaction
Bill Pay (Electronic)
$2 per occurrence
Bill Pay (Paper Check)
$4 per occurrence
Bill Pay Cancellation Fee
$10
Getting Money
ATM Withdrawal Fee (Domestic)*
$2.50
ATM Withdrawal Fee (Int'l)*
$4
Over-the-Counter Withdrawal Fee
2%
Getting Information
ATM Balance Inquiry (Domestic)*
$0.75
ATM Balance Inquiry (Int'l)*
$2
Online/Mobile Account
$0
Calls to the Automated Customer Support Line
First 3 free per month then $0.35 per call
Live Agent Service Fee
$2 per call
Paper Statement Fee (Standard Mail)
$4, online statements available for free
Signature or PIN Transaction Decline Fee (Domestic)
$0.50
Signature or PIN Transaction Decline Fee (Int'l)
$2
ATM Withdrawal Decline Fee (Domestic)*
$1
ATM Withdrawal Decline Fee (Int'l)*
$3
ATM Balance Inquiry Decline Fee*
$1
Other Debit Card Fees
Dormancy Fee
$3.95 to be assessed monthly. Fee will be applied against the remaining balance following any 60 day period during which there has been no consumer-initiated activity.
Cancellation Fee
$10
Replacement Card Fee
$5, standard ground processing (5-7 business days) for mail delivery
Express Shipping Fee
$25, expedited processing (2 business days) for mail delivery
Limitations
Daily ATM Withdrawal Limit*
$1,500
Daily Over-the-Counter Cash Limit
$5,000
Daily Purchase Limit
$5,000
Daily Bill Pay Limit
$5,000 per item, per day
Total Daily Spend Limit
$10,000
Maximum Balance
$50,000
*Third party fees/carrier fees may apply. If you use your Card at an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator, even if you do not complete a withdrawal. This ATM fee is a third party fee assessed by the individual ATM operator or bank and is not assessed by us. This ATM fee amount will be charged to your Card.

** Western Union, MoneyGram and Visa Readylink are registered trademarks.

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