Frequently Asked Questions

A payday loan is a small unsecured loan, usually for $100 to $1,000, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

Rather than pay bank late charges or sell merchandise, payday personal loans are a fantastic way to cover yourself. is here to help you find a payday loan lender. Your loan request is reviewed by our vast network of lenders in order to find a lender that can provide you with an offer. By submitting a loan request through, you can be sure that your request has been reviewed by the leaders in the payday loan industry.

Our comprehensive network of lenders of all types will review your loan request to see if one can offer you a loan. If you are approved, you can get your money deposited to your bank account as soon as 1 business day.

The minimum requirements to submit a payday loan request are:

  • You must be at least 18 years of age
  • Have a job (or other regular source of income)
  • You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your request and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

If your loan request is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the request. Payday lenders utilize proprietary criteria to evaluate each request and will approve your loan when your request meets their criteria.

In order to increase your chances of getting connected with a lender and ultimately approved for a loan, please be sure to fill out our online form with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept requests that cannot be verified. We do our best to connect you with a lender, but unfortunately there’s no guarantee that your loan request will be accepted.

Simply complete the online form and submit it from our web site and we will attempt to connect you to a lender online within seconds.

If you are connected with a lender, you may be required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and submit a request again to see if you can be connected with a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. All payments are processed by your lender by electronic transfer from your bank account.

Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

Once connected with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due.

You typically have the following options:

  • Pay off the loan in full
  • Renew the loan and pay interest and fees only
  • Renew the loan and pay interest and part of the principal

Please contact your lender directly if you have repayment questions.

The payday loan / cash advance is wired directly into your bank account by your lender. works with a network of lenders, some of which can have money in your bank account in as little as 1 business day, if approved!

Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved.

You can submit a loan request 24 hours a day, every day of the year.

However, if you are connected with a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit money to your bank account on days when your bank is open.

You can submit your loan request to us at any time 24 hours a day 7 days a week. However, since we only connect you with lenders who are available to help you in real time you may be more likely to find a lender during normal business hours since not all lenders operate on weekends and holidays.

The following bank holidays are observed by Federal Banks and their branches:

  • New Years Day
  • Martin Luther King, Jr. Day
  • Presidents Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

You can submit a loan request on for up to $1,000. Your lender may offer you a smaller loan until you establish a payment history with them. is not a lender, therefore we do not know what the fees are the lender you are connected with will charge. You will need to review the loan agreement the lender presents you with, or contact the lender that provided you with the loan. works with a vast network of payday loan lenders; however, we cannot guarantee that you will receive the loan you need. You can submit another loan request to see if you can be connected with a lender that has an offer that can work for you. However, lenders utilize proprietary criteria to evaluate loan requests and may not approve all accepted requests. is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.

If you do not get approved for a loan with the lender you were connected to, you may submit another loan request on this website to see if you can be connected with another lender. works with a vast network of payday loan lenders; however, we cannot guarantee that you will be connected with a lender. If you are not connected with a lender, here are a few suggestions to improve your chances if you chose to submit another loan request:

  • Time of Day: Many lenders do not accept loan requests outside of normal business hours. You may want to submit a request during regular business hours – Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and submit a loan request.
  • Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and submit a loan request.

We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account, if approved.

As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.

If you do not have a driver’s license or a state ID, please enter your passport number or social security number. is not a lender and we do not perform any type of credit check. We try to connect you to a lender in our network. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.

No, the loan request process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information on your request.

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