Need Cash Today? We can help!

How to Qualify for a Payday Loan / Articles

A payday loan is a short-term, unsecured advance on your paycheck that can be used to cover any unexpected expenses. Qualifying for a payday advance loan is very simple. Answer these few questions with positive answers, and you qualify.

— Be at least 18 years of age*.
— Be a United States citizen.
— Have a US bank account in your name that allows electronic deposits and debits.
— Have a steady paycheck.**
— Have a valid Social Security Number.

*Alabama and Nebraska, for example, require a minimum age of 19 years. Others may as well.
**Most lenders require at least 90 days of steady employment.

You don’t need to give your online user name or password to your bank account. Don’t give that information to any payday lender! Your application will note only the checking account number and electronic routing code: That’s how you get your payday advance deposited!

Just fill out the online application for instant pre- approval. If approved, your loan proceeds will be deposited directly into your personal checking account by ACH. When your loan payment is due, we will automatically debit ONLY the finance charge from your checking account unless you want to pay the loan in full or other payment arrangements are made for a partial payment of your principal. Additional fees will apply if you choose the option to extend your loan. This option may be used up to four times before you will be required to make a payment on your principal. This will happen automatically unless you contact us for other arrangements.

When Will I Get My Money?

If approved, your loan amount will be deposited into your personal checking account the next business day (if approved by 6PM EST) by ACH. If you are denied, you will receive an e-mail notification. You can also call our fully automated system two hours after you complete your application to check your status.

When Will I Know if I’m Approved or Denied?

The approval/denial process takes minutes. If approved, you will have your money deposited into your account overnight. If you are denied, you will receive an e-mail. You can also call our automated system to check the status of your account