Frequently Asked Q’s

• August
• 25

What is a Cash Advance, Payday Loan, or Paycheck Loan?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With our company you can sign up via our form for a payday loan online and have your advance electronically deposited to your checking or savings account by a payday loan lender.

What are the restrictions on qualification?
Qualifying for a payday advance is easier than qualifying for traditional credit. Your current job and your paycheck act as your collateral. Here are the simple minimum requirements you need to meet:

• Have a job when applying (or receive regular income)
• Take home at least $1000 per month
• You must be at least 18 years of age or older and a U.S. citizen
• Have checking account or savings account with direct deposit
• Not active in the military

This sounds complicated. Does it take long?
Usually within hours of applying you will typically receive approval of your application. Since the money is wired directly into your checking or savings account, you can usually have access to your funds the very next day after talking to a customer service provider.

I know I have bad credit and even charge-offs. What happens then?
We don’t look at credit reports so that isn’t a problem in applying for a cash advance.

What about collateral to receive a loan?
Your job and your paycheck are your collateral.

What about direct deposit? Do I need?
At this time your loan questionnaire can be accepted if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as our lenders do.

Is there an application fee for filling out our form?
It is against the law to charge fees for filling out the forms. Beware of anyone requesting upfront fees.

When I fill out this application and give you my financial information is it secure?
Absolutely. We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Are there any recommendations for how often someone should use a payday loan?
Emergencies pop up any time and we’re here to help you. You must remember though that payday loans are short-term answers to emergency situations. You should not use payday loans for ongoing financial problems or oft repeated use. To avoid extreme financial difficulties do not rely on payday loans or repeatedly use them too often. If you need help with credit, budgeting or debt management, please contact the National Foundation for Credit Counseling at 1-800-388-2227.

How much can I get for my cash advance and how do you figure that out?
It is totally determined upon your current income and answers to your questions on or sign-up form.

How many days or weeks to have to repay the loan?
Payday cash advance loans are generally repaid back when you receive your next paycheck. This is usually from between seven days and rarely longer than 30 days as the standard time for repayment. Your lender should disclose this information when you agree to their terms.

Where can I apply for a Payday Loan directly from a Lender?
Just click on this link right here: HERE

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