Fresh Start Loan: A loan designed to help the consumer pay off/consolidate other high interest debt such as payday loans. The maximum lending amount is $2500.00 for an unsecured loan and $5,000 for a loan secured by per capita. The check will be mailed directly to the retailer. To qualify your debt/income ratio must be 50% or under and you may not have more than $10, 0000 in judgments or collections on your credit report. Payback period is 36 months. To apply for this loan please go to our Loan Inquiry section.