Short-Term Loans

Fast. Easy. Affordable. Smart.

Peoples Bank AL
Frequently Asked Questions
General Frequently Asked Questions

1. How do I update my personal account information or change my password?
Once you’ve signed in to your account, simply click “My Account” at the top right of the page to update your personal account information and/or change your password.

2. How do I contact customer service?
Please contact us at 877-788-0288.

3. Do I need an email address for an account?
Yes, you must have an email address to create an account.

4. What if I forget my password?
Simply click “Forgot Password” on the Sign In page and enter your email address. Click “Request Password” and a new password will be emailed to you.

5. How do I view my loan history?
Once you’ve signed in to your account, simply click “My Loans” at the top right of the page to view your loan history.

6. Why does CashPlease® need to verify my identity using a verification code?
CashPlease® uses Two-Factor Authentication to limit who has access to your account. The verification code only can be sent to one of the phone numbers or email address we have on file for you. This extra layer of security not only reconfirms your identity, but also reduces the risk of fraud.

7. Do I have to enter a verification code every time I sign in?
No. You should only have to go through the verification process when you sign in on a new device or when using a different browser.

8. What do I do if none of the phone numbers or email addresses displayed are correct?
You should contact us at 877-788-0288. We have other ways to verify your identity by asking questions about your banking history and habits.

9. What if I don’t receive the code?
Simply click “Send Code” again or chose a different verification method. If you are using email as your verification method, be sure to check your spam folder. If you still have trouble receive your code, please contact us at 877-788-0288.

Loan Questions

1. How do I create an account?
Simply click “Get Started” and follow the easy steps to create your account.

2. Why should I get a loan through CashPlease®?
There are so many reasons! Here are the top 5 reasons to use CashPlease®:

  1. You’ll pay less in interest than you would pay with traditional payday loans
  2. If you use the money to pay bills, you’ll avoid late fees and possible hits to your credit score
  3. You can apply for a loan and obtain a decision in minutes!
  4. The cash will be in your account in 24 hours or less
  5. For the ease and comfort of working with your own trusted financial institution

3. Who can get a short-term loan?
Access to convenient short-term loans is only available to account holders at Peoples Bank of Alabama with accounts open at least 90 days. The minimum age for loan eligibility in this program is 19. Please Note: We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. For jointly held accounts, we will limit availability of loans to the first joint account holder who accesses the application process or creates a user login account on the CashPlease website, subject to eligibility approval. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.

4. How much can I borrow?
The loan amount available varies based on your individual checking account activity. However, typical loan amounts generally fall within the $150 - $1000 range.

5. How do I know what amount I can borrow?
After you apply for a loan and agree to the disclosures, you will be presented with a screen that displays your maximum loan amount offered. You will then need to request a loan amount that is less than or equal to the loan amount offered. Your requested loan amount must be at least $150.

6. How many loans can I have?
You can have only one outstanding loan at any time per consumer.

7. How do I receive my money?
Once you are approved for a loan, we strive to have the funds in your account in 24 hours or less.

8. How does repayment of the loan work?
The loan agreements you execute online state the due date(s) for your loan. If you choose the “Easy Pay” option, payment is automatically deducted from your account on the due date(s). If you choose "Manual Pay", you will be responsible for making your payments on time.

9. Once the loan is repaid, may I get another loan?
Yes, after paying off your loan you may revisit the loan tab of the CashPlease® website to see the new loan amount for which you are eligible. Please note that you must wait one full day between loans not including the day on which your final payment is actually processed (you may check the CashPlease® website for availability at any time). Also, no more than 3 short-term loans are allowed to a single consumer during a rolling 6-month period.