Frequently Asked Questions

QWhat is a short term loan or a cash advance?

A short term loan provides a person with cash in advance when you need it the most. A short term loan can be provided for those who are facing financial hardships or a cash emergency, or those who are looking to receive cash before an actual paycheck. Short term loans are protected against a future source of income such as a paycheck or a government payment.

QWhat is required to apply for a loan?

You need a job or proven source of income, email address, verifiable phone, a checking account in good standing with Direct Deposit from your employer, and you must be at least 18 years of age and be a U.S. citizen. All signed Loan Agreements are subject to verification of prior loan history and application data.

QWhat about collateral to receive a loan?

The application asks about income and bank-account details. Read your agreement for the terms of the particular offer.

QDoes it matter if I have bad credit or no credit?

Bad credit or no credit history does not automatically rule out every request. Income, account details and prior loan history may be reviewed; approval is not guaranteed. See credit checks and eligibility.

QDo you check the major credit bureaus during the application process?

The direct application information states that the three major traditional credit bureaus are not used. Participating lenders reached through matching may perform credit checks or consult specialty databases as described in the Terms. Compare the review routes.

QHow much can I borrow?

In most cases, our loans range from $100 - $1000.

QHow will I receive my money?

The process is automatic and convenient. Once your loan is approved, the funds are electronically deposited into your account via an ACH/EFT transaction.

QWhen can I expect to receive my money?

Your loan application will be processed quickly once it has been received. Once the loan is approved you will generally receive your money the next business day (excluding bank holidays and weekends).

QWill I be allowed to use my pay day loan for any reason that I need?

Absolutely! We cannot tell you how to use short term loans. It is entirely up to you to use it wisely.

QWhen do I repay?

Your agreement identifies the actual due dates, payment amounts and available payment options. The Rates & Terms contain 8–31-day examples. Paying only a fee does not reduce principal and can increase the total cost. Understand repayment and finance charges.

QHow long is the loan for?

Your agreement identifies the actual due dates, payment amounts and available payment options. The Rates & Terms contain 8–31-day examples. Paying only a fee does not reduce principal and can increase the total cost. Understand repayment and finance charges.

QIs applying online safe?

Before submitting personal information, confirm that the application uses HTTPS and read the form’s privacy and credit disclosures. A secure connection protects data in transit; it does not guarantee approval or a loan’s suitability.