Frequently Asked Questions

What is a payday loan?
     (Also called cash advance or payroll cash advance)
Can I qualify for a payday loan?
How much can I get?
How do I get the money?
What if I have bad credit or bankruptcy?
How much does it cost?

What is a payday loan?
     (Also called cash advance or payroll cash advance)

A cash advance or payday loan is a short term loan, usually up to $500, for times when you need extra cash before payday. Cash advance loans are designed for your emergency cash needs.

Can I qualify for a payday loan?

Getting an online cash loan is easy. To be approved for a payday loan, you must:

•  Have had your current job for at least 90 days
•  Be 18 years of age or older and a citizen, or permanent resident of the United States
•  Have take home pay of at least $1000/month after taxes
•  Have a current home and work phone number, and valid email address

How much can I get?

You can apply for a payroll cash advance from $100 to $500. The amount you are approved for will be determined by the lender assigned to your application.

How do I get the money?

Once your payday advance application is approved, the money is electronically deposited directly into your checking account.

What if I have bad credit or bankruptcy?

Your credit rating is not the primary consideration when lenders offer a payday loan. Bankruptcy, charge offs, bounced checks, and other credit issues usually do not affect your ability to get a cash advance or paycheck loan.

How much does it cost?

The fees charged will vary depending on the amount of your cash advance and the lender. Your lender will notify you of the exact fee for your loan at the time your application is submitted.

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