Q: Do I qualify for a Payday loan?

A: If you meet the requirements, you may qualify for a payday loan. Fill out the application form available on our website, and one of our representatives will get back to you. Ensure that you provide the correct information in your application form, as this could affect your approval for a payday loan. While having a bank account could speed up the access to funds once your lender approves the application, it’s still okay if you have no bank account. In some instances, you might be required to provide us with documentation to confirm the provided  information.We will never leave you hanging. In case you do not qualify for a payday loan, you will still receive communication from us. Since we have several lenders in our network, we help you connect with the one ready to extend a loan to you.

Q: Can I apply for free?

Yes, you can apply for a payday loan through us for free. Our service has no hidden charges or commissions. The terms you receive are the same as the ones you get if you apply for a payday loan directly with any of the participating lenders and brokers.

Q: Will I still obtain a payday loan if I have bad credit?

Yes, you can still get access to a loan even if you have a bad credit rating. We have numerous clients with poor credit ratings who still manage to get payday loans. Our extensive list of lenders are always willing to help borrowers regardless of their credit standing. As such, your credit rating will not be an obstacle to accessing funds.

Q: How fast will I receive the money I borrow?

We understand that every borrower wants to receive the money as soon as possible. Therefore, our goal is to expedite the approval process. Once you fill out the application form, you’ll receive a response within a few minutes informing you how soon you will receive the money. However, most of our customers receive their lender’s approval as soon as the next business day.

Q: What is my APR for a payday loan?

Payday loan lenders extend credit to borrowers without lengthy checks. Due to this, payday loans are a high risk for lenders and have a higher APR than regular loans. With that said, the most disciplined borrowers have no issue with the interest rate and repay their loans within a short period. We help you connect with a lender with favourable terms for you, with the minimum APR in our system being 209%. Your lender will indicate the APR, and you should go through the terms before consenting to the loan terms.

Q: What’s the maximum number of loans I can borrow?

We have no limit on the number of loans you can apply for or receive. However, you must comply with any restrictions in your state and the terms of your previous loans. We also encourage you to be prudent with your borrowing and be aware of your financial capabilities to repay all loans. Debt mismanagement can lead to serious financial problems.

Q: What’s the maximum amount I can get?

The lenders and brokers in our network offer payday loans ranging from $100 to $1500.

Q: Do I need a fax machine or scanner to apply for a payday loan?

In some cases, you will be required to provide scanned copies of the necessary documents via email or fax for confirmation. While this might not be a standard procedure, it is best to have your documents ready for any needed checks.

Q: How long does it take for you to consider my application?

We aim to process all borrower applications within the shortest period. Our average processing time for an application is as fast as 12 minutes, depending on how many applications we receive on our Payday Loans Help.