FAQ

What is a cash advance or payday loan?

A cash advance or payday loan is an unsecured loan which helps you in paying your unexpected expenses that come before your payday. There are no requirements for any collateral or credit check as the loan is unsecured. You can pay your telephone bills, accidental medical expenses or repair charges of your car with the help of this loan. By simply filling an online application form, you can qualify for a payday loan and upon approval, the money will be transferred into your account instantly.

Why do I need a payday loan?

Sometimes it happens that expenses/bills come before your salary day and demand your immediate attention. If you leave these expenses unattended, you can suffer a lot. Either your service will be discontinued by the service provider or you will be charged with a penalty. Both the unpleasant situations can be avoided by paying your bills in time. Here you need our service, you can take a payday loan from our company to pay your due bills to avoid inconvenience and repay it after some time.

How much money can I borrow?

The amount of your loan depends on your employment information. The loan for first time borrowers can go up to $1,500.

How are charges determined?

Our company strictly follows the rules and regulations issued by federal and state agencies. According to recent laws, our fees can vary from $25 to $30 depending on your loan and job information.

What are the eligibility criteria?

There are no credit checks or documentation submission requirements in this loan. However, you need to meet certain criteria to qualify for the goal. The requirements are as under:

• You have a job where you draw at least $1,000 per month.
• You have a verifiable checking or saving account that enables direct deposit.
• You can verify your employment.
• You are a U.S. citizen of at least 18 years of age.

How can I apply for a payday loan?

By simply filling an online application form, you can apply for the loan. You will be notified instantly if you qualify for the payday loan or not.

What information is required in the application form?

The information required in filling your online application form includes your name, address, your employer's name and your bank details along with your recent picture.

Is my personal information secure with your application process?

Yes, absolutely! We handle your data securely and use 128 bit computer encryption and secured pages to protect your information. We believe in valuing our customers and consider their privacy as important ours.

What are the charges to apply?

Nothing... Just an internet connection!

Am I obliged to take a loan if I am approved?

No, you can take your time and review the terms and conditions sent to you through email. Once you make up your mind to further proceed with this loan, you can notify us by following the details given in the email.

Does my credit history matter?

Not at all! We do not credit check your account history so a credit history can not affect your ability to qualify for a payday loan.

Do I need to own a home to qualify?

We treat all our customers equally. So, it really does not matter to us whether you are a renter or a homeowner. To us, both are valued customers.

Do I need to fax you my documents?

Our online application form asks you all the details we need to consider while approving your loan. So, any other documents are not required.

Can multiple payday loans be issued at the same time?

No, a single loan is issued at a time. In order to qualify for another loan, you must first pay-off your existing loan.

Do you contact my employers?

No, remember the loan is unsecured. We rely on the information you have provided us and we do not consult anyone to probe your details. The application status of all our clients is kept confidential.

Why do I need to have direct deposit?

For the sake of your account security as transactions are safe and easier through direct deposit.

How fast can I get the money?

Within minutes our representatives will be notified about your request. If you qualify for a loan, we will inform you through email. Once you accept the terms of the loan, we will transfer the money in your account the next business day. After you have received the money, we will discuss the repayment schedule according to your budget and convenience.

How do you notify me?

On qualifying for a loan, you will be notified through email. We reserve the right to make any amendments in agreement until you receive your money, in case we find new information regarding your application.

When will I have to repay the loan?

The repayment schedule varies according to your state and local laws. For your convenience, we generally plan payback period on your next payday. Usually the payback period lies between 8 to 25 days.

What can I get if I repay early?

There are several advantages you can get on early repayment. Reimbursement of some of your loan fees is one of its benefits. For complete details inform us about your early repayment schedule and get the advantages.

What if I cannot repay the loan?

If due to any reason you are unable to pay back the loan, inform us. We will extend your repayment schedule. Repayment options may include:

• Pay back the loan as stated in your documents.
• Pay your principle amount and the rest can be paid before the due day.
• Just pay loan fees on the due date.

Is there any limit on getting payday loans?

Payday loans are short-term loans. They are targeted towards paying bills and other unpredicted expenses which come before paydays. If you need these loans on a constant basis, chances are you are facing budgeting issues. To get a solution for this problem, contact your financial agent as soon as possible.