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Frequently Asked Questions

These are the most commonly asked questions of people interested in the services offered by Feel free to explore this information about payday loans and our service’s features. Please reach out to us if you still have questions about our service and how it works. Our skilled team is ready to match you with a payday loan provider and help you safely get the most out of it. 

What are payday loans? 

They are short-term (1-4 weeks, depending on where you live) loans of up to $1,000. Even if you have less than perfect credit, you can still be approved for this type of loan provided that you have regular income and a valid bank account.

Do I qualify?

There are 4 general requirements to apply for a payday loan:

  • You have to be of legal age (18) and a resident of the U.S.;
  • You have to provide your contact information;
  • You have to be working and earning a regular income;
  • You have to have a bank account where you can receive direct deposits. 

Sometimes borrowers are asked to provide more details about the above-mentioned requirements, for example a request for proof of income or residency. Although it will involve a little extra time, this generally requires only sending copies of certain documents.

Is this secure? 

At, our goal is to get the best possible loan for you. We utilize cutting-edge technologies to encrypt your sensitive information and ensure your privacy at the highest possible level. You can see complete details on how we use your data in our Privacy Policy.

How long does it take?

Payday loans are quick cash advances that are filed entirely online and processed 24/7. The borrower fills out a request form and within an hour they are matched with a potential money-lender. A loan agreement is sent as soon as the request is approved, you read it over and if you agree to the terms, you e-sign it. If you don’t like what you see, there’s nothing more for you to do except try again by making another loan request. Once you’ve signed an agreement, it will generally take about one business day before you see the direct deposit in your account. 

What if I have bad credit? 

You may be required to pass a credit check, either from a reporting agency or just to see if you’ve filed for bankruptcy or have significant debt. Most of the time, people with credit issues are granted loans anyway, as it’s your income that secures the loan. However, having poor or no credit could impact how much you’re offered. 

Do I go through the lender myself?

At we find the right lender for you and set you up with that service to get the best possible loan. But it’s the lenders themselves who give you details on your specific loan, and only they can approve your loan. If you have any questions or issues, you will need to contact the money-lender directly. 

Are there renewal options? 

If something happens that makes it difficult for you to pay off your loan, you might be able to renew it with an increase in the original interest rate. This can end up being pricey, though, so we suggest you try to negotiate with your money-lender as soon as a situation arises so as not incur any unnecessary fees. Renewal is not always an option, however, so you will need to check the specific regulations in the state where you live. Please see Rates and Fees for more details. 

What if I can’t make my payments?

Before signing your agreement, be sure to carefully read over the default payment terms and fees and penalties for late or non-payment. We only work with money-lenders who follow the rules and regulations set out by federal and state governments. If you think you might have an issue making your payment on time, get in touch with your money-lender as soon as possible to avoid any penalties. 

Can I take out more than one loan?  Individual states have their own laws regarding how many loans a person can have at a time and the amount of time required between each loan. Money-lenders can also legally create their own terms for number of loans and cooling-off periods. You should let your lender know if you have any outstanding debt or similar issues before entering into a loan with them.

Fill out a short form and get a decision almost instantly
One of the great things about getting a payday loan is that you can apply online in just a few minutes. No more looking for the nearest payday loan shop or waiting in line. Some lenders may be willing to work with you even if you have a less-than-perfect credit score. So fill out our short form and get redirected to a lender almost immediately if approved.