Questions   Frequently Asked Questions About A Payday Advance Thank you for choosing Cash Now to help with your short-term financial needs.  As a consumer, you need straightforward facts to make an informed decision about using a Payday Advance service.  Take a moment to review our frequently asked questions and answers.  If you have additional questions, please contact any of our locations.   How is my advance determined? Your advance amount is based on your income. Will you check my credit report before I receive an advance? No, Cash Now does not run a credit report unlike other financial institutions.  We do, however, subscribe to a risk assessment service that informs us if customers have payday advances with other companies that ubscribe to the same service. Is my transaction confidential? The payday advance transaction is confidential and we respect our customers' desire for privacy in conducting their personal financial matters. What happens if I don't have the funds to repay my advance on the scheduled due date? Cash Now is committed to collecting past due accounts in a professional and lawful manner.  If your check is deposited and is returned by your bank, you will be charged a returned check fee of $30.00 per check (in addition to any charges you may incur from your bank).  We will then contact you to collect the amount due.  (If necessary your account may be turned over to Collections.)