Frequently Asked Questions:
Do you still have some questions about our guaranteed payday loans?
What is a payday loan?
In short, a payday loan is a short-term loan which is designed to help you out until your next payday. You will need to pay it back when your next payday comes, but the emergency cash can give you some freedom and flexibility to get the things you need until then.
How old do I need to be to get a payday loan?
You need to be at least 18 years of age in order to get payday loan, according to the law.
I don't have a job; can I still get a payday loan?
As long as you have a steady source of income and we believe that you will be able to pay the money back by the due date, you will be able to get a payday loan. It's a lot easier to get a cash advance if you do have a job, but you can still apply as long as you have income coming from somewhere.
How long does it take to apply?
Our easy online form only takes a few minutes to fill out, so you can do it even if you're in a rush!
How long will it be before I get the money?
You will have the money in your bank account within 24 hours of applying, but it's usually a lot quicker than that. Some of our borrowers are able to get the money within minutes of applying.
How much can I borrow?
As payday loans are intended to be used in the short term, you won't be able to borrow thousands of dollars. Depending on the information you provide when you apply, you will be able to borrow up to $1000. We won't allow you to borrow more money than you're going to get on payday, since we need to make sure that you can pay us back when the time comes.
What can I use the loan money for?
You can use the loan money for anything you want, and we'll never ask what you're planning to use it for or what you've spent the money on. We strongly recommend that you only spend the money on things that you really need, since you can end up in financial trouble if you take out a payday loan and squander it on unnecessary luxuries.
Can I get a payday loan if I have a bad credit?
Yes, payday loans are available to those with bad credit, due to the fact that there are no credit checks involved in the process of applying and getting verified. No matter how poor your credit score is, you'll be able to access a payday loan, making it the perfect option for those who have a bad financial history.
Will a payday loan affect my credit rating?
A payday loan will affect your credit rating, and this could be bad or good depending on your performance. If you pay the loan back on time and there are no issues, your credit score will increase. However, if you don't pay it back on time and there are complications and problems, your credit score will get worse. This makes payday loans a good idea for those who want to increase their credit rating, since you can get one with a bad credit score and then pay it back on time to help your credit along.
Can I pay the money back early?
Payday loans are for short-term use, so not many people need to pay the money back earlier than their next payday. However, if you have the means to pay back the money early, you can get in touch with us and we'll arrange to take the payment earlier.
Will I be charged any hidden fees?
Before we deposit the money into your bank account, we'll send you a list of our terms and conditions. In these terms, you'll see all the information you need about our interest rates and charges, so you'll be fully aware of anything that you're going to be charged.
What if I apply and then change my mind?
If you apply and then realize that you don't want the loan anymore, you don't have to agree to our terms and conditions and we won't deposit the money into your bank account. If there are any other problems, simply contact our customer service team and we will see what can be done for you.
Is it necessary to have a bank account?
Yes, you need to have a bank account in order to get a payday loan. Using other payment methods would prove to be more costly and time-consuming, so in order to keep it quick and easy, a bank transfer is the best method.
What happens to my personal data?
We will never sell your personal data to any third parties, so you can rest assured that all your information is completely safe with us and will be used for the use of your payday loan only.
Are there any interviews involved?
No, we do not need to interview you during the application process for a payday loan. This ensures that the whole process is even quicker, and it allows you to retain your privacy. The only thing that you need to do is fill out the online form in order to get the ball rolling.Get Cash Now