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FAQ: Helpful Guide to Payday Loans

The payday loan process is one of the most helpful personal loans available for consumers who can pay their bills, just not until their paycheck arrives. Learning how payday loans work can help you determine if a payday loan would be the most helpful personal loan for your particular cash-flow and credit score situation.

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Q: What's a payday loan?

A: A payday loan can also be referred to as a cash advance loan, a check advance loan, or sometimes a deferred deposit check loan. Payday loans afford consumers short-term loans, generally over a 1 to 3 week period. if approved for a payday loan, money can be automatically deposited into your checking account. When it comes time repay the loan, your payday lender will simply withdraw the payment from your checking account.

Q: Who can sign up for a payday loan?

A: Most anyone can successfully get a payday loan. The requirements are very easy to meet. There are 5 simple criteria you have to meet:

  • You need to have an active bank account
  • You need to have a regular source of income, such as a job
  • Your regular source of income needs to generate at least $1,000 per month
  • You need to be at least 18 years old
  • You need to be a US citizen

Q: I have more than one emergency bill. How many payday loans can I take out?

A: You are only allowed to take out one payday loan at a time from a single lender. But you are allowed to request up to $1500 for any single payday loan. If you have multiple bills, request enough money to meet your payday loan needs. Learn more about evaluating your payday loan needs by making a personal budget

Q: I need cash quick! Once I fill out the form, how soon can I expect the money?

A: Not to worry! In most cases, once you've begun the payday loan process you're well on your way to receiving cash. This is because payday loans are designed to be helpful and fast. Our online sign up form takes a few minutes to fill out. Once your information is submitted, we will match you with a lender that will provide you with a payday loan.

Things You Need To Know

  • Payday loans can really help you in an emergency.
  • Irresponsible users forget common sense and find themselves in a deeper mess than when they began.
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