Small-Dollar,
Short-Term Loans

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FirstCNB
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 this email address: info@firstcnb.com or call us at 731.285.4410 or 800.321.3176.

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. Where can I get the CashPlease® app?
The CashPlease® app is available for iPad® and iPhone® at iTunes or the App Store. It is available for Android™ at Google Play.


Loan Questions

1. How do I create an account?
Simply click “Check to see if you're eligible for a loan now” 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 First Citizens National Bank. The minimum age for loan eligibility in this program is 18. 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 eligibility 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 $200 - $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 $200.

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 or on the mobile application 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 or the mobile application to see the new loan amount for which you are eligible. Please note that you must wait three full days 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.