What is a payday advance?
The purpose of a payday loan is to get you money until you next payday. This means it is an emergency short-term loan used as a last resort.
What can I use the loan for?
You can use the loan for anything that you want, but you should use it only in emergency situations. You must be careful not to fall into a debt trap. Use payday loans responsibly or don’t use them at all!
How much can I borrow?
You can borrow from $100 to $1000, based on your income. This is to protect you and the lender from any potential default. In addition, payday loans are often capped by state laws.
What is required to get started?
You need to file an application, making sure all the sections thoroughly are filled out correctly. If the application is not accurate or dosn’t provide the necessary info, it may be denied.
How long does it take to get the money?
It could take up to 24 hours to get deliver the funds to your bank account. This all depends on the cycle for processing the loan with a direct lender.
How safe is your personal information?
Your personal information will be submitted over a secure server using a data encryption. It is very safe.
Are there any fees?
No we do not charge any application fees.
Is there any obligation to take out a loan upon approval?
No. You can choose not to accept the loan for any reason.
Can my credit history affect the loan approval?
The lenders may not use your credit score as a decision making benchmark. People with bad credit score are often approved for a loan. Lenders take many things into consideration, for instance, your income or current debt.
Can I roll over the loan?
If for any reason you are not able to repay the loan on time, you should contact your lender prior to the due date. You can work out a payment arrangement. Extension of payday loans is a very expensive trap. You have to pay additional fees which make the loan very expensive
APR Disclosure Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.
Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult the federal, state, and local governements to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling.
Residents of New York, Arizona, Georgia, Vermont, Virginia & West Virginia are not eligible to apply for a cash advance on this web site.