A payday loan or cash advance is a quick and easy way to bridge your cash needs between pay days without a credit check. It is a small short-term loan that can range from $100 up to $1,500. The money can be electronically deposited and repaid from your checking account on mutually agreed upon dates.

What is a payday loan?

A payday loan or cash advance is a quick and easy way to bridge your cash needs between pay days without a credit check. It is a small short-term loan that can range from $100 up to $1,500. The money can be electronically deposited and repaid from your checking account on mutually agreed upon dates.

What is the difference between a payday loan and a cash advance?

The terms payday loan and cash advance are used interchangeably to mean a way to bridge your cash needs between pay days without a credit check. A payday loan or cash advance can give you the money you need to cover emergencies, unexpected bills and other unforeseen costs until you receive your next paycheck.

How do I apply for a payday loan?

To apply for a loan you must be at least 18 years of age and need to have a job or another regular source of income. You must also provide your email address, home phone number, home address, driver's license, social security number, checking account, and one personal reference.

After you submit your initial application you will be connected with a specific lender who may request additional information to complete their approval process.

How much money can I borrow?

Payday loans can range from $100 to $1,500. The lender will determine the loan amount based on the information you provide during the application process.

What are the requirements for a loan?

To be considered for a loan, you must be at least 18 years of age and need to have a job or another regular source of income, email address, home phone number, home address, driver's license, social security number, checking account, and one personal reference.

To be approved for a loan, you will need to meet the requirements of the individual lender with whom you're connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria.

Will I get approved for a loan?

Once you submit your completed loan application, you will be connected instantly with payday lenders, who will evaluate your information. If you are pre-approved by a lender, they may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

How often can I apply for a loan?

You can apply for a loan as frequently as you like. There may be limitations on how many loans you can have outstanding at one time.

How quickly can I get my money?

Payday lenders typically deposit the loan amount the following business day after the loan is approved. The lender wants to help you get your money as quickly as possible.

You can submit your loan application to us at any time. We only put you in contact with lenders who are available to help you in real time and you will be contacted by one to complete your loan submission online.

Approved loans are typically funded the next business day:

How much does the loan cost?

The cost of each loan is negotiated on an individual basis by the lender that contacts you after you submit your application.

The lender will provide you with the APR and calculate the exact finance charge based on the number of days the loan is valid.

If a lender offers you a loan of $300 with a 15% finance charge, you will be provided $300 upfront and will owe a total amount of $345, which includes a $45 finance change.

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What happens when my loan is due?

Your loan documents will give you 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

Please contact your lender directly if you have repayment questions.

What hours is your service available?

We process applications all the time. However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit loans to your checking account on days when your bank is open.

How long does it take to get a loan approved?

Typically, lenders will contact you within seconds and will approve your loan within minutes. If a lender requests additional information, the process may take slightly longer.

What if I have poor credit or have filed for bankruptcy?

Neither poor credit nor bankruptcy should affect the approval of your loan.

Do you perform a credit check?

We don't perform a credit check, but your information may be verified with several national databases.

Do I need any collateral?

Payday lenders don't require any collateral for a payday loan, however your electronic signature is required.

How do bank holidays affect my loan?

The following bank holidays are observed by Federal Banks and their branches:

New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

As long as a bank holiday or weekend doesn't fall of the day following your approval, your loan should arrive at your bank the following day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

How do I get a payday loan?

Simply complete our online application and submit it from our web site - no faxing required. You will be contacted by a lender online within seconds, and you may be asked to provide additional information prior to approval. Once approved, usually within minutes, you will electronically sign and agree to the terms of the loan.

Typically the proceeds of your loan will be electronically deposited into your checking account the next business day. You can check with the ACH Department of your bank to verify the deposit to your account.

You will typically have the choice to choose the payment option that works best for you. All payments are made by electronic transfer from your checking account.