Frequently Asked Questions

Q?How do Payday Loans, Cash Advances and Check Cash Advances work?

To get a Payday Loan (or Cash Advance) all you need to do is fill out our simple online application. This easy online process only takes few minutes. Once you're approved, you will be redirected to lender’s website where you have to sign the electronic agreement by inputting your full name, social security, bank information or all the mentioned information. Your cash will be deposited into your bank account within next business day.

On your next payday, your account is debited for the amount you owe, unless you choose to renew your loan, if applicable in your state.

Q?What do I need to apply for a payday loan online?

  1. You must be a U.S. resident.
  2. You must be at least 18 years old to apply for a payday loan.
  3. You must have a gross income of at least $1,000 per month.
  4. You must have a checking or savings account that has been open for at least one (1) month before applying for a payday advance.
  5. You must have a valid email address.
  6. You must have a valid contact number.

Q? Why does not provide specific interest rates and terms?
A. is a loan matching service, we work with several lenders and every lender’s rates & terms are different. When you're approved for a loan, your lender will provide electronic agreement with specific interest rates for your loan and you can review the agreement carefully before signing for your loan.

If you've already signed for your loan or you have any specific question regarding terms or interest rate, you can directly contact your lender.

Q?Does it matter if I have bad credit or no credit?

Payday lenders may check your credit history & few lenders may require your healthy credit history, overall it depends on lender. However Payday loans are designed to help people in need of emergency credit, even if you had credit troubles in the past.

Q?Do I need collateral to apply for a payday loan?

No collateral is require at all.

Q?Is there any cost to apply for the loan?

No. services are totally free, whether or not you are approved.

Q?How much can I borrow?

You can borrow up to $1,000, depending on your state.

Q?When will I receive my loan?

If your application is received and verified within , you will generally receive your money within next working day. For security & conformation purposes, lender will contact you by telephone or cellphone before your loan is funded.

Q?How will I know if I'm approved?

Shortly after your application is submitted, you will be notified whether or not you are approved.

Q?Will I need a fax machine/Paper work to apply for a payday loan?

No. does not requires faxing or paper work as a part of the loan application but lenders might require you to fax certain documents.

Q?When do I have to repay the loan?

It depends on your lender, after approval you will be redirected to lender’s website where you can see the electronic agreement and the payment schedule as well.

Q?How do I repay my loan?

Lender will initiate a transfer of funds from your bank account on the day the loan is due.

Q?If I pay my loan early, how does that affect my finance charges?

It totally depends on your lender, after approval you can directly contact your lender to know if they offer any discount on early repayment.

Q?What happens if I fail to make a timely payment on my loan or credit services transaction?

Lender’s policy on such scenario is different from each other, however fail to make timely payments can have several consequences, for example:

  • Financial Implications: Lender may charge a late fee if you fail to make your payment by its due date and you may be charged with a returned item fee if any given check or electronic payment is returned unpaid.
  • Collection Activity: Lender may attempt to collect any delinquent amount through there standard collection methods, which include contacting you by phone, mail, SMS or email or engage any collection agency who may also institute collection activity with you.
  • Impact on Your Credit Score: Lender may report loan activity to credit bureaus like Equifax, Experian, TransUnion or Factor Trust and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Renewal of your Loan: Lender may automatically renew your loan and may charge additional fee on such renewal.

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Disclaimer is not a lender, does not broker loans to lenders and does not make cash advances or make any financial decisions. only submit the Pay Day loan applications to the most trusted lenders in market. Any further decisions are made by the lenders and if there is any issue , question or concern regarding loan please directly contact your lender. Please Note that cash advances are meant to provide you with short term financing to solve cash problems in emergency & should not be considered a long term solution.

Not every consumer will qualify for maximum loan amount and it is also based on your state that how much loan you can apply, please consider your local laws regarding Pay Day loans.

Loan funding require few verifications of application information. It totally depends on the lender and its ability to verify the information. does not guarantee the time frame. does not guarantee that your Pay Day loan application will approve, it depends on lender, your local laws regarding Pay Day loans & standard underwriting criteria.

Pay Day loan is not available on all US States, please consider your local laws before applying for Pay Day loan.

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