FAQ

What is a payday loan?

A payday loan is a short-term loan that is ideal when you need cash fast. This is often because of an unexpected expense, such as car repair or to pay a medical bill. Folks have also used them when they need first and last month’s rent for a new apartment, or for when they are planning a special occasion that is going to cost more than they originally anticipated. There are many reasons why people choose a payday loan.

How do I know if I qualify?

Qualifying for a payday loan isn’t complicated. These are what our lenders are looking for:

1. You must be at least 18 years old and be a legal citizen
2. You need to have a bank account
3. You should be working at your current employer for at least 3 months
4. The usual minimum amount to make is $800 per month

What if I have bad credit?

Even if your credit is poor, you can still apply for a cash advance loan. We understand that in today’s difficult economy, it is easy to wind up with marks on your credit score. That does not change the fact that we want to help people get the cash loans they need. If people with poor credit are not allowed to get money when they desperately need it, how are they expected to improve their credit? Therefore, whether you have bad credit or no credit, you will likely qualify for a payday loan.

I have a bankruptcy filing in my past. Can I still get a payday loan?

Even if you have declared bankruptcy, you should still apply for a loan if you need it. Bankruptcy happens to many people. Sometimes it is caused by job loss, while other times it is because of sky-high medical bills. We understand the many reasons you most certainly had to declare bankruptcy. It is still entirely possible to qualify for a loan when you need it the most.

How quickly can I get a payday loan?

When you apply for a loan with a bank or a credit union, you often have to wait weeks for an answer. This is not the case with online loans. Your completed application is sent to lenders right away, and you will be notified shortly after the approval happens. In many instances, this can be the same day you apply.

How do I pay these loans back?

We will automatically deduct the loan amount from your bank account. Of course, we will notify you before this happens, just in case you forgot. You do not have to worry about mailing a check or driving downtown to a branch office in order to pay the loan back. In fact, you do not have to do anything at all. We will take care of everything.

What if I don’t have the money when the loan comes due?

If you think you will not have enough money in your bank account, give us a call. One of our friendly and professional customer representatives will work with you on a renewal loan. This simply means that after you have paid the loan fees, the loan is extended until your next pay period. It is easy to do, just make sure you give us a call.

Is my personal information safe?

We pride ourselves on having a secure website. We use the latest Internet security measures and constantly monitor our site. Your information is encrypted and extremely safe. We never compromise your security.

I have never done this before. Is it easy to apply for an instant loan?

Even if you have never applied for a loan before, or don’t have a lot of Internet experience, applying for a payday loan with us is very simple. We train our staff to be able to answer any questions you might have, and to work with customers in a friendly and professional manner. You will be amazed at how easy it is to apply.

Why should I go with a cash advance loan?

A cash advance loan is perfect for when you need money quickly. A bank cannot process a loan in 24 hours, but we can. These loans are easy to apply for and just as easy to pay back. We have gone out of our way to make the entire process as stress-free as possible. Do not risk bank overdraft fees or late payments to your credit card or landlord. Instead, get an online payday loan today.