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Do you still have questions regarding our fast-online service? Here are some of the most frequently asked questions:
What is a Payday Loan?
A Payday Loan or Payday Advance is a small short-term loan that allows you to borrow money against your next paycheck. These loans are designed to cover short-term financial obligations, such as car repairs, utility and medical bills, or any other unexpected expense.
How much money can I get with a Payday loan?
Payday loan amounts vary by state, usually between $50 and $1000, depending on state law limitation. It also depends on the lender underwriting, who consider your income and several other factors when approving your payday loan.
What do I need to qualify for a payday loan?
Most lenders require a state ID, proof of income, active bank account, and active email address. You also must be at least 18 years of age or older. Additional documents may be required during the loan approval process.
Can I get a Payday loan if I have bad credit or bankruptcy?
There is a good chance you can! Discharged bankruptcy, charge offs, bounced checks or other credit problems are not always a factor in your ability to get a payday loan.
If I already have a payday loan, can I get another one?
The terms and frequency of payday loans vary by lender and state. To find out if you can be approved for another payday loan, please contact your lender directly.
Can I refinance my Payday loan?
Yes, in most cases you can refinance your payday loan. Please check with your direct payday lender for full details.
How can I make my payday loan payments?
Payment methods varies from lender to lender. Many lenders give the option of direct withdrawal; other have storefronts where you can pay in cash. Please contact your direct lender or check out your loan documents where you can usually find information on how to make your payment.
What if I cannot make a payment?
You should contact your lender as soon as possible and to see if you can work out payment arrangements. For late payment, lenders usually charge a late fee.