What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan designed to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. Here, you can apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.
What can a payday loan be used for?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost, your payday loan can be used at your discretion.
How much can I receive?
Your first loan is based upon the information you provide in your application. You may request up to $1000, but the amount of the loan will ultimately be decided by the lender based upon your application.
How are fees established?
The owners of the is site do not charge a fee for their services.
How do I qualify for a payday loan?
You should meet all of the following requirements:
• Currently employed (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have a checking or savings account with direct deposit.
What is the procedure to apply for a payday loan online?
To apply for a payday loan, complete and submit the application found on our website. At that point, the approval process will immediately get under way and you will be notified of you of your status.
What information do I need to complete the application?
We need your name, address, employment information and banking details in order to complete your payday loan request.
Is my personal and financial information secure?
We respect our customer's right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.
Does submitting an application obligate me to take out a loan?
No. Submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.
What if I have bad credit?
Bad credit does not necessarily keep you from getting a loan. You still need to meet the loan requirements, but many lenders do not conduct credit checks as the loans are for relatively small amounts and the due date is your next payday.
Does being a tenant influence my eligibility?
Whether you rent or own your home, it does not affect your eligibility for a payday loan.
Do I need to fax my information?
In most cases, no. In only the rarest of cases will you need to fax any information.
Can I have more than one payday loan at a time?
No, all other payday loans must be repaid before another may be granted.
Do I need direct deposit?
Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.
When will I receive my payday loan?
Your application will be processed within minutes of being received. Once approved, you may collect your loan the next business day.
When will my loan be due?
Typically, repayment is your next payday.
What if I want to pay back my loan early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.
What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension. If you do not contact the lender that you will not have the necessary funds, legal action is likely.
How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. We encourage all of our clients to use these loans responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.