Frequently Asked Questions - Payday Loans and Cash Advances

What is a payday loan, cash advance, payday advance or cash check advance?

They are all the same type of loan, usually between $50 and $1500 that you pay back when you receive your next paycheck. It's purpose is to help you out during tough financial times or unexpected expenses. Payday loan and cash advances are preferred for paying bills and other expenses because they are easy to get, fast and a great way to avoid expensive late fees, overdraft charges or missing payments that can damage your credit.

How does a payday loan or cash advance work?

Just complete the online form. In minutes you'll be approved. The money is deposited into your bank account the same day, sometimes within just a few hours. The money you borrowed is then automatically debited from your account your following payday.

What do I need to apply for a payday loan?

You need to be a US citizen, at least 18 years old with a regular income and a bank account. That's it, and it's why over 90% of people who apply get approved.

What if I have bad credit? Can I still get a payday loan?

Bad credit won't keep you from getting approved for a payday loan. They are designed to help people in need of emergency funds. Payday lenders understand that you may have bad credit.

Do you run a credit check on me?

There is no credit check during the approval process and we don't contact any of the three major credit bureaus.

Will I get turned down if I've filed for bankruptcy in the past?

A bankruptcy does not automatically disqualify you for a cash advance. As long as you're working and meet the other requirements we can usually still work with you.

Do I need any collateral to be approved for a payday loan?

No, all you have to need is to have income and a bank account.

How long does it take for me to get the money?

In most cases you will get the cash advance within 24 hours. In some cases we are able to deposit the funds in your account in just a few hours.

Is my personal information safe?

We take great care to make sure that our online form is secure. Your information is encrypted so you can be sure that your personal information is safe. You are also protected by our privacy policy.

How much can I get with a cash advance?

Payday loans vary, usually between $50 and $1500. Your information is used to determine how much you're eligible for at a time. Decisions are based on a variety of factors. When completing the form it is in your best interest to be honest. It's possible to get turned down by misrepresenting yourself with the information you submit.

How long does it take to get approved?

The approval time for a payday loan can vary but it usually happens quickly, sometimes as fast as a few minutes. In some cases in can take longer due several factors.

What if I can’t pay the loan back by my next paycheck?

There are three options if you're still tight for money and need more time. 1. You can pay just the loan amount back minus the fee. 2. You can pay the finance fee and a portion of the borrowed amount. 3. You can pay just the fee.

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