FAQ's
Here are some frequently asked questions about payday loans and our service.
What is a payday loan?
A payday loan is quite simple. We allow you to borrow up to $1000 until your next payday. We have a simple online application that only takes a minute to complete and we could transfer up to $1000 directly to your bank account.
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What are the requirements to secure a payday advance?
Our lenders require that you are employed in some way, part time employment is fine. You will also need to be a US resident and have a bank account to receive your loan.
Is it possible to obtain a payday loan with a low credit score?
In most cases we can help our applicants find a loan to fit their circumstances. The lenders we use are looking for people who are in work and can afford to repay the loan in a short period of time. Because of this your credit rating will be less important than you ability to repay.
Are there restrictions on how I can use the borrowed funds?
Yes, the loan is yours and you can spend it as you wish.
How much will the loan cost?
The cost of a loan will depend on how much you borrow and how long you have the loan for. Also as we work with a number of different lenders, the interest rate you receive will vary. Typically if you were to borrow $200 for 30 days, the total amount repayable would be $250.
Am I eligible for a loan if I work as a self-employed individual?
Yes, as long as you are able to show you are currently earning and have been paying money into your bank on a regular basis.
Is it possible to prolong the repayment term of my loan?
Yes, in most cases our lenders will allow you to carry over your loan for an extended period if you need to. However you should only do this if you absolutely have to as it can prove to be very expensive.
