A huge majority of direct payday lenders operate their businesses online apart from their brick and mortar locations. Customers using their services can enjoy a number of benefits, such as easy of application process, no documents required, no faxing an no traveling. An online loan application consists of three elements: personal information section, employment and banking sections. Customers don’t have to worry about the security of their details, because applications are run on secure servers in order to prevent theft. It usually take about 2-3 minutes for an applicant to submit the application to the network a lender is part of. In the USA, UK and Canada there are a few large network of lenders. Application provided on this site goes to one of the largest network consisting of thousands direct lenders ready to render their services.
When you submit your application, it will be instantly processed and you will hear from a lender in a matter of minutes. It is important not to send many applications at a time. You can submit one application and see whether you’re approved. The approval process is taking place while you wait online. Online payday lenders will get back to you with the terms and conditions of your loan either by mail or phone, depending on the time of the day or night. You can accept the terms or reject them with no consequences.
All online direct lenders have a strict policy regarding a bank account. Since the lender approving your application can be situated miles away from where you live, it is important that you have a bank account in which a loan can be deposited. Customers with no bank account will have to follow a special procedure available on the application form.
You can apply for a loan at any time of the day (24/7), including weekends and holidays.
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.
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).
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.