General Questions

A cash payday loan is a small short-term cash loan that is often meant to be repaid by your next paycheck. These loans should only be accepted when needed, such as in a financial emergency. Payday loans are not a solution to long-term debt problems. Before taking out a loan, make sure you understand the risks associated with short-term cash advances. If you are facing long-term financial debt, please consider budgeting, credit counseling, or debt-management support. is not a lender. We connect consumers to independent, third-party lenders based on the information you provide. The process begins with completing our simple form. Upon completion we will try to connect you to an interested third-party lender. Every third-party lender has their own terms and conditions for cash advances or payday loans (i.e. APR’s, fees, repayment terms, renewal policies, etc.). The approval process differs for each third-party lender. If connected to a third-party lender, make sure you fully understand the lender’s terms and conditions before agreeing and accepting the loan. All questions regarding the cash advance or payday loan should be discussed with the lender directly. does not charge you any fees to connect you to third-party lenders. is not a lender or broker. Therefore there are no fees or interest directly associated with completing our form. connects consumers who are interested in short-term loans with third-party lenders or brokers. We receive compensation from the third-party lenders and other advertisers we work with, and the loan offer you receive is based on the compensation we are paid. The rates and fees associated with your loan will vary from lender to lender. If you are approved for a loan, please make sure to review the fees and interest associated with your loan. is not a lender and does not make credit decisions. Being approved for a payday loan may vary from lender to lender. The minimum requirements to submit a loan request may include, but may not be limited to:

  • 18 years of age or older
  • U.S. Citizenship or permanent resident
  • Valid checking or savings account with direct deposit
  • Employment income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Payday loans range between $100 and $5,000. Not all lenders offer loans up to $5,000 and the amount requested may differ from the amount offered. The loan amount offered depends on many factors (i.e. income, employment). Upon acceptance of your loan request, the lender will provide the fees and APR interest rates you will be charged for the loan. Make sure you review and understand before signing any documents.

The funds could be transferred to your bank as early as the next business day (this may vary depending on your lender and financial institution).

You will need to provide personal, employment and banking information. The information includes, without limitation: name, address, telephone number, email address, driver’s license number, social security number, bank account information, and employment information. Once your information is submitted, independent lenders may verify your social security number and/or check your credit. Make sure to provide accurate information.

Each independent third-party lender has their own terms and conditions for repayment of your payday loan. The repayment information will be indicated on your loan agreement. Please contact your lender directly with any questions and/or concerns.

The information you submit on is safe and secure. Many security measures are employed to maintain the integrity of your privacy. All sensitive data transmitted between your browser and uses 256-bit Secure Socket Layer (SSL) encryption technology. Our services are strictly voluntary, and the use of our services are governed by our Terms and Conditions/Privacy Policy.

Third-party lenders may verify, without limitation, your driver’s license number, social security number, or any other qualifying identification information to determine credit standing, capacity and/or credit worthiness. Multiple inquiries may be made on the three national databases (Equifax, Transunion and Experian) or alternative credit bureaus and this may result in a lower credit score.

We cannot guarantee that you will be accepted by one of our third-party lenders.

Renewal policies may vary from lender to lender, therefore please contact your lender to inquire if your loan will automatically renew or if you need to provide permission. Please make sure to review the lender’s renewal policies and terms before agreeing.

Every lender has their own terms about late payments and/or non-payment such as, without limitation, interest, additional fees, and collection costs. Make sure you read and understand the loan terms before signing and contact your lender if you have any questions and/or concerns.

If you cannot repay your payday loan according to its terms, your lender may:

  • Charge you late fees and/or interest
  • Send your account to a collection agency
  • Offer to renew, or refinance your loan (this may cause you to incur additional fees)
  • Report your information to consumer reporting agencies (which may negatively affect your credit score)
  • Offer to renew, extend or refinance your loan (which may cause you to incur additional fees, charges and interest) is not a lender. Your lender can provide more information about their policies for non-payment.