FAQ U.S.

What is a Payday Loan or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With you can apply for a payday loan online and have your advance electronically deposited to your checking or savings account.

What can a Payday Loan be used for?
The money can be used for any purpose - to pay bills, buy something, have a great weekend, it's up to you! You won't be asked!

How much can I receive?
Your first loan is based upon the information you provide in your membership application. You can borrow an amount up to $1500. After successful repayment of your payday loan, we may raise your loan amount on any future loans.

How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws. Depending on the lender the fee can range from $25 to $30 per $100 borrowed. So if you borrow $300 the fee will be between $75.00 to $90.00.

What about qualifying?
Qualifying for a payday advance is easier than qualifying for traditional credit. does not perform credit checks. You only need to meet the following requirements:
- Currently have a job (or receive regular income)
- Make at least $1000 per month
- Are 18 years of age or older and a U.S. citizen
- Have checking account or savings account with direct deposit.

What’s the procedure to apply for payday loans online?
The procedure is extremely simple, all you need to do is just fill up the application form at our website and submit it online. The approval takes place immediately after you submit the application on any of the business days.

What do I have to fill in application form?
You have to provide your name and address, employment information, bank account details, and picture identification in the payday loan application form.

Is my application and financial information secure?
We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?
never charges applicants a fee to qualify for a payday loan.

Does the online form obligate me to taking out a loan?
No. When you fill out our online application, you are only stating that you wish to have our agents approve you and contact you to discuss your options. You may still ask us any questions, and withdraw your request at this time. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?
Bad credit will not prevent you from receiving a payday loan at . Our friendly managers will work with you, even if you have already been turned down by other lenders.

I'm a tenant - is this a problem?
No problem - it makes no difference to the lenders whether you are a tenant or a homeowner.

Do I need to fax my details?
You don't need to have a fax machine to be able to apply for a loan. Lending company gets all necessary information instantly.

Can I have more than one payday loan at the same time?
No. All other payday loans have to be repaid before another can be granted.

Do you contact current or former employers?
No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?
At this time we can only process your loan if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as we do.

When I will receive my payday loan?
Your application will be processed within 30 minutes, once it has been received. When approved, you will receive your loan on the next business day. Once you receive the loan, we will help you to schedule you repayment dates so that you won’t have to worry about bounced checks or missed deadlines.

How do I know that my loan has been approved?
You will receive an email notification once your loan has been approved. reserves the right to make adjustments to your loan approval until the time you receive the funds in your bank account based on new information regarding your loan application.

When will my loan be due?
Your due date will normally be due on your next payday that is between 8 and 25 days away. Each state has different rules and regulations.

What if I want to pay early?
Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.

What if I can’t repay my loan on the due data?
If you can’t repay the full amount of your loan on the due date, you may be able to request a loan extension. We have different payment options available for our customers: 1. Paying the loan in full on the maturity date listed on your loan agreement. 2. Paying the finance fee and a portion of the principle on or before the maturity date. 3. Paying only the finance fee on the maturity date.

How often can I get a payday loan?
We are here to help anytime you need extra cash between paychecks. We encourage all our clients to keep in mind that a payday loan is only a short-term solution to an urgent cash need, and to use these loans responsibly. Payday loans should not be used repeatedly to deal with continuing budgeting issues.

FAQ UK

How long does it take to apply?
Applying for a payday loan is very simple and fast! It only takes five minutes from start to finish - this includes signing for your loan!

What about qualifying?
To qualify for a payday loan you should meet the following minimum requirements.
You must:

• Be at least 18 years of age
• Reside and be employed in the UK (England, Scotland, Wales, or Northern Ireland)
• Be regularly employed
• Have a minimum income of £333.50 each month, after all taxes and deductions
• Have a valid current account
• Your salary paid directly into your bank account.

What information do you need?
Our simple online form only requires the following information:

• Your name and address
• Your date of birth
• Your contact telephone numbers and email
• Your work and pay details
• Your bank account and debit card details

Why do you need all my details?
We need to verify:

• That it is you taking out the loan
• That you are in full time employment and able to repay the loan
• That we put the money in your account and no-one else’s account
• That you can repay us in a simple and hassle-free way

Do you credit score my application?
No, we currently do not credit score your application so that we can make immediate decisions while you are online. It means you get your loan decision - and money - quicker.

Does it matter that I don't have a debit card?
We require you to have a debit card in order for us to take your loan repayment.

How much may I borrow?
You can borrow any amount between £80 and £750.

How much do I need to be paid in order to qualify?
You must have a minimum take home pay of £333.50 after all taxes and deductions.

When will I have my money?
We will transfer the funds to your account on the same working day as your loan is completed. Some banks take up to 48 hours for money transfers to clear.

How will I get my money?
It’s paid directly into your bank account so you can access it as you would normally take cash from your account.

How much do I need to repay?
There is a fee of £25 for every £100 borrowed. This fee includes all costs of the transaction.

How do I repay the loan?
Your debit card is used to take repayment of your payday loan.

Can I defer my payment?
Yes - although after deferring the payday loan twice we will ask you to start reducing the balance. This will incur new charges for every month the loan is due - but still at our fixed rate - there are no additional charges.

What if I have problems paying?
We do understand that people’s circumstances can change. If this is the case, you must let us know as soon as possible and we will do our best to help.