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 transact all our loans 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?

Bad Credit, No Credit, No Problem. Unlike many financial institutions that require you to have good credit, a payday loan is the best option for people with no or bad credit. Your credit is not checked through the major credit bureaus, but most lenders use TeleCheck, TeleTrack, and SCAN which are NSF and closed account check reporting services.

How soon can I receive my cash advance and how much can I borrow?

Once you are approved by one of our Lenders the cash will be wired into your account within 24 hours. The amount you qualify for will be determined by the Lender.

How do I get a payday loan?

Simply complete our 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.

Was my loan approved?

The loan amount is determined by your selected 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. Extensions or rollovers may be available options. Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

          • Do nothing and your loan will auto-finance
          • Pay off the loan in full
          • Renew the loan and pay interest and fees only
          • Renew the loan and pay interest and part of the principal

Your lender will determine the pay-off terms and conditions. To request payoff amounts, change your repayment plan or to inquire about the repayment process, please contact your lender directly.

What are the finance fees on a payday loan?

Depending on the lender, the fee can range from $20 to $30 per $100 borrowed until your next payday, depending on the individual circumstances and locale.

Click here to review APR Disclosure and APR Calculator.

It is important to save and follow any messages that your lender is sending you. Each lender has different requirements and contact information. You are not obligated to accept a loan from the lender. Review all documents that the lender provides before signing.

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