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Frequently Asked Questions:

Still not sure about getting a payday loan? All of your commonly asked questions are answered below:

What is a payday loan?

A payday loan is a short-term loan which is designed to help you out until your next payday. Hence you will need to pay it back when your next pay check comes. The emergency cash can give you some freedom and flexibility to pay for unforeseen expenses until then. Typical amounts range between $100 and $1,000.

Can I get guaranteed payday loans?

You may have come across the term "guaranteed payday loans" while searching the internet, but this is just a bad marketing slogan. No payday loan is guaranteed, however you are more likely to be approved by a payday lender than a bank or other large lender, as these will automatically disqualify you for having bad credit. Payday lenders however will fairly consider your application as long as you meet some simple requirements.

How old do I need to be to get a payday loan?

You need to be at least 18 years of age in order to get payday loan, according to the law. You will obviously also need to be a legal US citizen.

I don't have a job; can I still get a payday loan?

As long as you have a steady source of income of at least $1,000 and can back this up with documentation, lenders will usually still consider your application.

Is There Instant Approval?

How long the whole process takes will obviously vary, but if you have the required information on hand and there are no issues with your application, you could have everything finalized in less than 20 minutes. The point is, the online platform is much faster than traditional lenders. Instant approval is not realistic and anyone claiming to offer this is misleading you.

How long will it be before I get the money?

You can have the money in your bank account within 24 hours of signing the lender agreement, during the working week.

Is there no faxing?

There may be no faxing involved if all of the documents requested are already stored somewhere as digital copies. You can then simply upload these and forward them. If not you may need to send a fax.

How much can I borrow?

The lenders in our network all offer between $100 and $1,000, and you can request any amount within this range. The amount you are ultimately offered will be based on your current financial status, but they will aim to get as close to the amount you want as possible.

What can I use the loan money for?

You can use the loan money for anything you want, and you'll never be asked what you're planning to use it for or what you've spent the money on. We strongly recommend that you only spend the money on things that you really need, since you can end up in financial trouble if you take out a payday loan and squander it on unnecessary luxuries or to cover other debts.

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

Whether you are offered along with bad credit depends on several factors, including your current income status. However unlike other lenders, payday lenders do not automatically disqualify you for having a poor credit history. This has led to some unscrupulous sites offering "no credit check" loans, but this is just a marketing tactic. All legal lenders will pull some kind of credit history.

Will a payday loan affect my credit rating?

A payday loan will affect your credit rating, and this could be bad or good depending on your performance. If you pay the loan back on time and there are no issues, your credit score will increase. However, if you don't pay it back on time and there are complications and problems, your credit score will get worse. This makes payday loans a good idea for those who want to increase their credit rating, but cannot get a traditional loan.

A search will also be recorded on your credit rating if you go through the process but walk away before signing the agreement. This should not have a major impact.

Will I be charged any hidden fees?

Before you are prompted to sign the agreement you will be given a copy of the full terms and conditions for the loan, which will clearly outline all of the potential charges and fees. Nothing will be sprung on you unexpectedly. In fact the only fee you will have to pay if you repay on time, is a single finance charge.

Is it necessary to have a bank account?

Yes, you need to have a bank account in order to get a payday loan. Using other payment methods would prove to be more costly and time-consuming, so in order to keep it quick and easy, a bank transfer is the best method.

What happens to my personal data?

We and you lender will never sell your personal data to any third parties, so you can rest assured that all your information is completely safe with and will be used for the use of your payday loan only.

Are there any interviews involved?

No, we do not need to interview you to request a loan, and neither does the lender for your application process. This ensures that the whole process is even quicker, and it allows you to retain your privacy. The only thing that you need to do is fill out the online form in order to get the ball rolling.


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Consumer Notice: Short-term loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing short-term loans.

Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.

Disclaimer: This website does not constitute an offer or solicitation to lend. The operator of this website is not a lender and does not make credit decisions. Rather, we provide a marketplace service where we connect you with lenders in our network. We cannot and do not control the actions or omissions of lenders in our network. We are not an agent, representative or loan broker to any lender and we do not endorse any particular lender. Our marketplace service is always free to you. If you are ever asked to pay a deposit or advanced payment in order to get a loan, you should not proceed. You are under no obligation to use our marketplace service to initial contact with or apply for a loan with any lender. Subject to our Privacy Policy (which you should carefully read and understand), we will transfer your information to lenders in our program and to other service providers and marketing companies we do business with. We do not guarantee that you will be connected with a lender or obtain favorable rates or be approved for a loan by completing a form on our site. Participating lenders may verify your social security number, driver's license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information. Not all lenders can provide you with a loan. If you are approved, you will receive funds according to the lender's funding practices which vary from lender to lender. Repayment terms also vary from lender to lender and may be affected by state law. If you have questions about the loan terms offered to you, or about a loan that has funded, please contact the lender directly. We are not a lender and cannot give you loan-specific information. You will not be charged a fee for using our service. Loan-related fees are controlled by the lender and will be disclosed to you before you accept the loan. If you do not want to incur loan-related fees or you are unable to repay your loan, do not accept the loan.