FAQ

What is a payday loan?

A payday loan is a quick and simple way to obtain a short term loan that provides a sensible alternative to costly bounced checks, late payment charges and tarnished credit ratings.

Is my payday loan secure and confidential?
We handle applications on our secure SSL server, utilizing the industry highest standard.

What are the requirements to apply for a cash advance?

  • Make a minimum of $1,000 (after taxes) salary per month or $800 on fixed income
  • Be employed full time at the same job for a minimum of 3 months
  • Be 18 years of age and a USA citizen.
  • Have an active checking account in.

What if I have no credit history or bad credit?
Unlike many financial institutions that require you to have good credit, a payday loan is an option for people with no or bad credit. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

How soon can I receive my cash advance and how much can I borrow?
Once you are approved by one of the Lenders the cash will usually be wired into your account as soon as the next business day. The amount you qualify for will be determined by the Lender.

How do I apply for a payday loan?
Complete an online application.

Who is my lender?
Your lender will contact you via email after completing the loan application. Once you submitted your application, you will receive documents and contact information from your lender. PLEASE PRINT AND SAVE THIS IMPORTANT INFORMATION FOR FUTURE REFERENCE.

How much was my loan approved for?
The loan amount is determined by the lender and is based on the information that you provided on the loan application. If you have additional questions about your loan amount, you should contact your lender directly. Please note that you will be given contact information for your lender immediately following the application process. PLEASE SAVE THIS IMPORTANT INFORMATION FOR FUTURE REFERENCE.

When and how do I repay my payday loan?
Funds are usually deducted from your account on your next payday by electronic transfer. Once matched with a lender, you will be directed to your lender's loan documents.

What are the finance fees on a payday loan?
Fees and repayment terms are established by the lender.

When is my loan due?
Your loan and finance charge is due on your next payday.

What if I am late with my payment?
Lenders may charge additional fees for late payments. If you know you will be late for your next payment contact your lender to make arrangements.