Koster’s Cash Loans provides installment loans, which means you pay the loan back in a series of payments according to a schedule determined by you and your loan officer.  No collateral, such as a post-dated check, is necessary to secure the loan.  If you qualify, you’ll get your cash loan immediately. It’s as easy as that! 

To apply, just bring the following items into the Koster’s branch that’s most convenient for you:  (click here for a list of locations)

• Your most recent pay stub
• Proof of your current address, such as an electric bill or a copy of your lease
• Valid, state-issued photo ID, such as a driver’s license

When you come into one of our stores, you will find a friendly staff in an inviting and pleasant space.  A Koster’s loan officer will ask for some additional information from you, including the amount of the loan you need, your employment, and other related items.  They will also ask you some questions that may be sensitive (for example, whether you are currently in bankruptcy),  but they’ll be understanding and respectful of your privacy. 

After reviewing your documentation and asking you a few simple questions, the Koster’s representative can approve your loan.  Once approved, the loan consultant will explain the contract to you in great detail before asking you to sign it.  It is very important that you understand the terms of the contract, including the payment schedule required.  We encourage you to ask questions at any time during the process.  Ultimately, the choice to take a loan from Koster’s is yours.

Remember, if you qualify, you’ll get your cash loan immediately.  There’s no application fee, and you don’t have to have a checking account.  It’s as easy as that!

Still have questions?  Click here for a list of the most commonly asked questions and answers.