Am I Eligible For A Payday Loan?
To qualify for a payday loan with Express Payday Loans, you simply need to meet the following criteria:
Be a U.S. resident
Be at least 18 years old
Have a stable employment
Earn a minimum of $1000 per month
Possess an active checking account for loan deposit
Everyone’s Credit History is Unique
That’s why our partner lenders are willing to consider different credit backgrounds. Even if you have bad credit, you can still submit a loan application, as we believe in providing opportunities for everyone.
We Prioritize Responsible Lending
As part of our process, we conduct thorough income and affordability checks. This ensures that you borrow an amount that is suitable for your financial circumstances, preventing any potential difficulties down the road.
Swift Online Application, Instant Approval
Complete Express Payday Loans secure loan form in minutes. Get instant approval and receive cash via e-transfer within 60 minutes after signing your contract.
Basic Requirements for Payday Loans
Express Payday Loans offers a streamlined process for obtaining payday loans when you need immediate cash assistance. Here is what you need to get approved:
Minimum age: 18 years
Valid identification
Proof of income or employment
Active checking account
Contact information (phone & email)
Proof of US residency
How To Apply for a Loan in 3 Easy Steps
Get Funds Fast
Get funds fast: Receive the money you need quickly.
Fast Funding
Fast funding: Access to funds within a short timeframe.
Bad Credit Available
Bad credit available: Approval is possible even with poor credit.
Quick and Convenient
Quick and convenient: Easy and hassle-free loan process
Fewer Approval Requirements
Fewer approval requirements: Less strict criteria for loan approval.
Payday Loan Amounts
Qualifying loan amounts vary depending on the borrower’s income and the payday lender, although most states have laws establishing maximum payday loan amounts.
Some states even limit the ability of borrowers to have multiple outstanding payday loans in an attempt to keep consumers from borrowing large amounts at extremely high interest rates.
Does paying back payday loans build credit?
Firstly
Paying back a payday loan doesn’t usually build credit. Most payday lenders don’t report on-time payments to credit bureaus, so the loan can’t help your credit score.
Secondly
If you don’t pay the loan back, however, your credit can be damaged. The payday lender may report the default to the credit bureaus or sell the debt to a collections agency that will do so, which will hurt your score.
We are really help
The bottom line is that if you are looking into payday loans, you more than likely need money ASAP. Express Payday Loans understands and will work with you to make sure you receive the money you need as quickly as possible.
Loan for you
The unfortunate truth about the industry is that not all our competitors take the same approach. Your loan is built specifically for you. It is based on the information you provide in your application, so you know that we are considering your situation.