Frequently Asked Questions
Below you will find some of the most common questions our visitors ask regarding our payday loan services. If you cannot find the answers you need below then please contact our staff and we will be happy to answer any questions you might have.
1. What is a payday loan?
2. Can I qualify for a payday loan?
3. How much money can I receive for my payday loan?
4. How do I receive the money if I am approved?
5. Can I still be approved for the loan with bad credit or bankruptcy?
6. How long does the process take until I have the money in hand?
7. Do I need a fax machine or printer?
8. How much does it cost to receive a loan?
9. If I already have a payday loan outstanding can I still be approved for another?
10. How and when do I repay the loan?
11. What if I cannot repay the loan when it is due?
12. How do you protect my private information?
13. When can I apply for another loan?
It is a short term loan that gives you some extra cash when you need it before payday! Usually the amount of between $100 and $500, but some lenders will go above this amount to as much as $1,500 or more.
2. Can I qualify for a payday loan?
Yes, of course! It is very easy to be qualified for a cash advance! You only need :
- Have you current job for at least 90 days.
- Be 18 years of age or older and be a citizen or permanent resident of the United States.
- To have a take home pay of at least $1,000 per month.
- Have a current work and home phone number along with a valid email address.
3. How much money can I receive for my payday loan?
You can apply for anything between $100 and $1,500. The amount you are approved for will be determined by the lender for your application.
4. How do I receive the money if I am approved?
After you are approved for the cash advance your money will be electronically deposited into your bank or checking account.
5. Can I still be approved for the loan with bad credit or bankruptcy?
Yes, these do not affect your application or approval what-so-ever. Do not worry at all about any past history you may have.
6. How long does the process take until I have the money in hand?
It takes 5 minutes or less to fill out our form. More often than not the money is added to your account the next day!
7. Do I need a fax machine or printer?
Yes, you need a printer to print your loan documents. Some lenders may require you to fax additional information such as your recent pay stub or bank statement.
8. How much does it cost to receive a loan?
Fees will vary depending on the loan amount and the lender. The lender will notify you of the exact fee for the loan at the time the application is submitted. It is worth noting these fees are generally less than check fees, late charges, and other expenses you might have incurred without the cash advance.
9. If I already have a payday loan outstanding can I still be approved for another?
Sure! Even with another loan outstanding you may still qualify for a cash advance loan. Just be sure to disclose your current loan on your application.
10. How and when do I repay the loan?
The loan amount and fees are withdrawn from your account automatically on the due date. You do not need to visit a store, make a payment, etc. If you need more time to pay the amount you can always request an extension from the lender as well.
11. What if I cannot repay the loan when it is due?
Simply contact your lender for an extension - it is that easy! Be aware that there will be additional fees for an extension though.
12. How do you protect my private information?
All of your details are protected completely and totally. You have no worries at all regarding the privacy of your personal information.
13. When can I apply for another loan?
You can apply again after 72 hours! There is no application fee and it will always be free. Make sure to disclose your current loan on the application though.
