Frequently Asked Questions

What is a short-term advance used for?

You may use your short-term advance for any reason that you need. We cannot tell you how to use short-term loans. It is entirely up to you to use it wisely.

How much money can I borrow?

I thought I could receive $1000 or $1500. Is it possible to receive more than $400 for a first-time advance? If you came to this site via a different site, or applied on a different site, but are funded by Rushmore Financial it is possible that another site advertised a loan up to a certain amount that is higher than what we actually lend to first time borrowers. The advertising you saw may have been from someone who is not a lender, but is just referring applicants to lenders. All lenders have their own lending limits and policies.

It is possible in some cases to receive more money initially, but you may be required to provide us with additional information including, but not limited to a bank statement.

How will I receive my money?

The process is automatic and convenient. Once your loan is approved, the funds are electronically deposited into your account via an ACH/EFT transaction or a same-day wire transfer for an additional fee.

When can I expect to receive my money?

Your loan application will be processed quickly once it has been received. Once the loan is approved you will generally receive your money the next business day (excluding bank holidays and weekends).

Is it possible to receive the money today?

Yes! A same day credit option may be available, but is not guaranteed. If this option is available, we could have the money in your account via wire transfer by the end of the business day (not including holidays or weekends). Additional fees may apply.

But how do I know you're a legitimate lender?

We are a member of OLA (Online Lender's Alliance) and we adhere to the OLA List of Best Practices and Code of Conduct. We also fully disclose our Terms & Conditions and our Privacy Policy.

What about collateral to receive a loan?

Your job and your paycheck qualify as your collateral.

Does it matter if I have bad credit or no credit?

It does not matter if you have bad credit or no credit at all. Short-Term Loans are designed to help people in need of emergency credit, so lenders understand that you may have had credit troubles in the past.

Do you check the major credit bureaus during the application process?

No, the three major traditional credit bureaus are not used in the application process.

How will I know if I have been approved?

You will be contacted by phone or email by one of our representatives.

Do you have to contact my employer?

Yes. We need to verify your employment. To protect your privacy, our representatives are very discreet and will not disclose any information to your employer regarding the nature of our business.

Why do I have to verify my bank account information?

We need to ensure that the information you provided with your application is correct. This allows us to deposit the money to your account without any further complications.

Why do you need to know my account balance and last two deposits?

To ensure that your payment due dates will coincide with your pay schedule or direct deposit schedule.

How long is the short term loan for?

This is a short-term loan; therefore your due date is based on your next pay date (up to 16 days away). If you get paid twice a month, you will be due on your very next pay date. If that date is less than 5 days away, we will use your next pay date up to 16 days total.

When do I repay? How do I repay? Do I have to repay it all at once?

Your repayment is the best part. The minimum required payment is the finance fee which is due on your next pay date. You have the option to pay only the finance fee or to pay the fee plus any increment of $10 or the principal in full. A finance fee will be due each due date that you carry a balance with us. You must phone us no less than three business days prior to your due date to set up a payment arrangement if you would like to pay off or pay down your loan. If we do not hear from you we will simply deduct the finance fee from your bank account. We also accept smaller principal payments on your due dates if your current budget does not allow for a full payoff. You get cash when you need it most and repay when you have it!

How much do I have to pay on my first due date?

The actual dollar amount depends on the amount of your short-term advance and when your pay date from your job falls. Generally, you are only required to pay the finance fee on your due date, but it is a good idea to pay down the principal of the loan if you have the funds to do so.

What if my pay date is soon?

In some cases, if the first due date occurs within ten days of the day you receive your funds; you may receive half off your first finance fee.

How much is the first finance fee? How is it calculated?

The first finance fee is typically 33% of your principle loan amount.

That seems high. Why do you charge so much?

Our rates are highly competitive with other short-term lenders. This type of loan is intended for use for short periods when you need cash in a hurry and have no other means of obtaining credit or a loan. The fees are likely less than you would incur from bounced checks or overdrawing your bank account. Our advances are also a safer alternative to loans that require collateral like car title loans or mortgage loans.

I have another question that hasn't been answered here.

You may always contact us using one of the options below

Customer Service

You may call our Toll-Free Phone Number and speak to our friendly and helpful customer service representatives with any questions: 855-836-3650 - wait for prompt 3.

Live Chat

You may chat with a Customer Service Rep right now directly from your computer. Just visit our contact page and login to chat. If the Representative is offline, simply leave a message and someone will respond a.s.a.p.


Contact us by email with your question. If you have questions about the application process or are a new customer, email If you are a returning customer who has already had a loan with us in the past and would like to renew or ask questions about reactivating your short-term loan, you may contact us at

Receive the Cash you Need Quickly, Easily, and Securely!

  1. 1Complete our online form and sign your loan documents. It’s important that you answer each required question accurately to expedite the loan process.
  2. 2Your loan representative will contact you via phone or email to confirm the details of your application and complete the processing of your loan request.
  3. 3Once you have completed the process with your service provider, they will be able to directly deposit your short term loan electronically into your account within an hour if desired.
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Call: 855-836-3650
Fax: 877-769-6705


Rushmore Financial, LLC is NOT associated or affiliated with Rushmore Home Loans or Rushmore Loan Management Services. Please do not contact them regarding your loan; rather, please contact us (Rushmore Financial) at either 855-836-3650 or

Questions about short term lending?OLA Consumer Hotline: 866-299-7585 is owned and operated by FSST Financial Services, LLC, dba Rushmore Financial, a tribal lending entity wholly owned by the Flandreau Santee Sioux Tribe, a federally recognized Indian tribe that operates and makes loans within the Tribe's reservation. All loans are subject exclusively to the laws and jurisdiction of the Flandreau Santee Sioux Tribe. Carefully review the Terms and Conditions for more details.

The Operator of this website is a lender and will use any information provided in the secure application only in an attempt to fulfill a loan request. If does not approve the loan application, the Applicant's information may be forwarded to other lenders in an attempt to connect the Applicant with a lender who is able to fulfill the request.

The Terms & Conditions and Privacy Policy displayed on this website apply to customers who receive their loan directly from FSST Financial Services, LLC, dba Rushmore Financial P.O. Box 283, Flandreau, South Dakota 57028. Fund Transfer times may vary depending on each individual's financial institution. In some cases, faxing may be required.

FSST Financial Services, LLC, dba Rushmore Financial does not provide short term loan services to those who live in the following states: Arizona, Connecticut, Washington DC, Ohio, Vermont, Virginia, Arkansas, Colorado, Georgia, Massachussettes, Maryland, New Hampshire, New York, Pennsylvania, West Virginia, Kansas, Missouri, North Carolina or New Jersey.