How does the payday loan process work?

Upon approval, your payday loan is directly deposited into your bank account. When your payday arrives, you can either pay back the full amount borrowed, or begin making partial payments equal to or greater than the minimum payment. All payments are made online and are automatically withdrawn from your account on your due date.  You needn't even leave your house or business!

How long does it take for me to get the loan?

When your online payday loan application is approved, it will only take one business day for the money to be directly deposited into your checking account. Most payday loans are approved within 24 hours. If you apply prior to the 2:00 PM EST processing deadline, funds could be available to you the next day!

What do I need to get a bad credit payday loan?

All you need is a checking account open for at least one month with no bounced checks, a steady job making at least $1,000 a month, and no more than one other bad credit payday loan or cash advance with any other lender.

How long is the loan for?

This is a payday cash advance, so the payment due date is based on your next payday (up to 16 days away). If you get paid twice a month, it will be due on your next payday. If that date is less than 5 days away, your next payday will be the due date, up to 16 days total. 
How long should I have the loan for?

These are short term payday loans designed to help you with an urgent situation. All payday loans, cash advances, and check advances should be paid back in full as soon as possible, and not used for an extended amount of time.

Will I be approved?

Most people are approved for payday loans.  Generally the only times applications are denied are when you have bounced checks or are not currently employed. Once approved you can use the money for anything you want.

How do I make a payment on my payday loan?

If you are paid once a month, you will be required to pay the loan in full on the date due, which is your payday. However, if you are paid more often than once a month, payment options are usually available on cash advances.

What is required to get these loans?

You need a job or proven source of income of at least $1000/mo, a checking or savings account open for at least 3 months and currently in good standing, an email address, home phone, and you must be at least 18 years of age. All signed Loan Agreements are subject to verification of prior loan history and application data.

Your application will be either approved or declined based on evaluation of the information you provide. Occasionally customers may be asked to fax additional information.

How soon can I get my cash?

If your application is approved by 4 pm MST, the funds will be electronically transferred (ACH) to your bank that day (Monday through Friday excluding bank holidays). The funds should arrive at your bank the following BUSINESS DAY. Weekend requests will be treated as though they are Monday requests.

*Note: Some banks can take two (2) days to process and transfer the funds into your account. You can contact the ACH department of your bank to verify that the funds have been credited to your account.

What if I have poor credit or have filed bankruptcy?

Poor credit will not affect the approval of your payday loan. However, if you have filed for bankruptcy within the past year or if you have filed multiple times, a payday loan may not be extended to you.

Do you perform a credit check?

Payday loans are not contingent upon credit checks; however, your check writing/loan history is generally verified with national databases.

How long does it take to get approved for a payday loan?

Depending on what time of day you apply and how quickly you complete the application process, you can be approved within minutes.  Payday loan companies are generally open during standard business hours.

What is a payday loan?

A payday loan is designed to be used for short-term financial needs. The due date will be your next payday (up to 18 days). It is not a solution for large financial problems for which longer term financing may be more appropriate. Payday advance fees are, however, lower than many consumer alternatives.

How do I find out the status of my application?

All applicants will receive their status via email. Applications are processed during standard business hours.  Depending on the application, you can be approved within minutes.