FAQ

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How long does it take to be approved?

Depending on the time of the day, it can take less than a minute from the time our network has received all your information to the time you get approved. Approval depends on the amount you borrow. If you borrow less than $500, you application is approved instantly. In other cases it may take up to an hour.

Is my information secure?

Absolutely. We respect your privacy and our systems are designed to protect your personal information. Your personal information is protected by a 256-bit encryption, which is the strongest and safest encryption commercially available.

What are the qualifications to be approved?

Our network requires the following:

  • A steady income from a current job or benefits such as social security.
  • Take home a minimum of $800.00 monthly after taxes.
  • Valid bank account in your name.
  • A valid phone number.

What if I have poor credit?

Your credit is normally not a factor. You can be approved regardless of your credit history.

Do you run a credit check for a payday loan application?

No. Our network doesn’t run credit checks. Consumer databases such as “Teletrack” may be used in some situations.

How will I know that you will only withdraw what I owe on the loan?

Lenders have no legal right to withdraw more from your account than you authorize in the loan agreement.

I have submitted the loan request. What should I do next?

A customer service representative will contact you shortly. An email with instructions on how to proceed has been sent to the email address you have provided (check your trash/spam folders too). Similar instructions are provided in the confirmation page you’ve been redirected to after placing your request.

What are your fees?

Our company provides this service absolutely free to you.

When do I need to repay the loan?

Loan due dates may be on your payday but you can ask for a monthly plan when you’re contacted by representative.

I cannot submit my loan request.

If you are experiencing difficulties submitting your request, this may be caused by an overloaded server. In such a case, please, wait a few minutes and try agin. This problem may also arise if some of the required fields are empty.

How do I know about the status of my payday loan request?

You will receive updates and instructions in your email and the confirmation page following your online request.

I am unemployed. Can I apply for a payday loan?

As long as you receive unemployment benefits, yes you can.

How long does it take to get the money into my account?

Delivery of money into your checking account can usually be arranged either on the same day or the next banking day. It can take as fast as 15 minutes.

Please use Payday Loans responsibly. Payday Loans are financial services intended as short term emergency loans, they are not a lasting solution to financial hardship.

Payday loans are legal in: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).

Payday loans are illegal in: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).

Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000

We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment. Our lenders may offer you a loan with an APR between:200% and 2281%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.

NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.