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Stretch Loan

Access to cash

when you need it most.

The help you need, when you need it most.

Our Stretch Loan is a simple, fast, and low-cost alternative to payday loans if you ever come up short a little between paychecks.1

Apply for a Stretch Loan today.

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Approved based on the following: Primary member ONLY • Valid Driver’s License, State ID card, U.S. Passport, or US Military ID • Account must be open 90 days Loan type: • Closed-end loan • First Entertainment membership in good standing • Employment or other source of income • Must be at least 18 years of age  Must have a valid contact/phone number already on file and a valid email Restrictions: • One loan at a time • Maximum of 4 loans in 6 months • Once maximum is reached, there is a 90-day waiting period from payoff of the last loan to apply again.
All Stretch Loans are subject to credit approval, not all members will qualify. Only Primary members may request a Stretch Loan; Joint members are not eligible. Loan terms are 35-days for amounts of $200 and $400 and have application fees of $15 and $22 respectively. The 35-day Annual Percentage Rate (APR) for a $378 loan with a $22 application fee would be 60.70%. The 35-day APR for a $185 loan with a $15 application fee would be 84.56%. A payment reminder will be e-mailed to the member seven (7) days prior to the loan due date. If not paid by due date, a $15 Late Fee will be assessed. A Late Notice will be sent via e-mail four (4) days after the due date. Failure to pay the loan will result in loss of services. Funds are advanced immediately, thus requiring an immediate signature on the Note and Disclosure Statement. Members may only have one (1) Stretch Loan at a time and are limited to four (4) consecutive Stretch Loans within a 6-month period. When this occurs, member may be eligible for the Next Step Loan. Call us at (888) 800-3328 for additional information.