Frequent Questions

Q: What kind of loans are they?

A: The lenders listed on our website provide short term, unsecured cash loans. They are commonly known as Payday Loans, because you need a regular source of income to qualify. The ability to repay and the information provided by your online application determine the loan amount, which can range from $100 to $1,000.

Q: What else are these types of loans called?

A: There are many names for these types of short term cash loans. They include payday loan, cash advance, check cashing, deferred deposit, bad credit loan, short term loan, payroll advance and more. While all these different terms may be confusing, they all mean the same thing, which is a loan to help you when you need cash fast.

Q: Is a bank account required for a loan?

A: To be eligible for a payday loan, lenders require that all applicants have a checking or savings account to wire the funds to. If you do not have a bank account, we recommend that you apply to Account Now first. They provide a special Visa card that accepts wire transfers.

Q: Can I apply for a payday loan if I am unemployed?

A: Yes, you can.

Q: Am I eligible for a payday loan if I am in the military?

A: Yes, you are.

Q: Can I apply for a payday loan if I am self-employed?

A: You can.

Q: Can I apply for a payday loan if I am on welfare?

A: Yes, you can.

Q: Can I apply for a payday loan regardless of where I live?

A: While payday loans are not allowed in some states, it is often possible to use the Internet to obtain a payday loan. Even if you live in the strictest states of Arkansas, New York & West Virginia, other easy financial choices are available to get a loan into your bank account quickly.

Q: What is required for approval?

A: Each lender is has different requirements, but the general requirements include the following:

• Income of at least $1,000 per month
• Current phone number
• Current employment for at least 4 weeks
• Current bank account

Q: I work two or more jobs. Can I apply?

A: As long as your total monthly income is at least $750.00, you are eligible to apply. On your application form, list your primary employer. And if you are contacted by your lender, make sure you tell them that you have more than one job.

Q: What can I expect by applying online?

A: After submitting your application, lenders will decide whether they can offer you a loan. The approval process usually is carried out instantly. If approved, you will be presented with the lender’s terms and conditions (including the rates and the repayment options that they were willing to offer you). At that point, you can decide to accept or decline the loan.

Q: How much money can I borrow?

A: Your application and the lender you are matched with will affect how much you can borrow. Usually, you can ask to borrow as much as $1500. Not every lender will be ready to offer this amount, but you can apply with as many lenders as you like in order to get what you need.

Q: Can I apply for a loan by phone?

A: Legitimate lenders do not accept phone applications as a protection against fraud and identity theft. Applications must be submitted online. Once you are approved, you will receive your lender’s customer service phone numbers.

Q: How much time do I have to repay the loan?

A: Full repayment is usually due by your next pay day. If you qualify, flexible repayment plans may allow you to spread your repayment out over up to 10 pay periods.

Q: How much do payday loans cost?

A: We are not a lender and this service is provided for free by our company. However, the lenders of the cash loans will charge a service fee. Loan conditions, including fees and repayment terms, vary from lender to lender. It is not possible to determine the loan conditions until you have been matched with a lender. Once you have been approved, you will be presented with your lender’s terms, which you should review carefully. You are under no obligation and can accept or decline the loan at that time.

Q: How fast will I receive the money after I apply?

A: Your application for a payday loan will usually be approved in just a few seconds. As soon as the payday loan is processed, your bank account will be credited with the money. It could take as little as an hour for the money to be credited to your account, but be ready to get it the next business day as well. Please be aware that cash transfer times vary from lender to lender.

Q: Why does the application form ask for my bank’s Routing and Account numbers?

A: All online lenders require this information, so that the money can be wired to your bank account.

Q: I have an online bank account, and don’t have a Routing number.

A: If you have a bank account, you’ll have a Routing number as well. Routing number identifies your bank. Account number identifies your account in that bank. Routing and Account number is required to transfer funds to you. If you do not know your Routing or Account number, please contact your bank.

Q: What if my credit is not perfect?

A: Many lenders will offer a loan to people with bad credit or poor credit. People will no credit will also qualify.

Q: Does a cash loan require a credit check?

A: Cash advance lenders typically do not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. Participating lenders may, among other things, verify your social security number and review your information against national databases (such as Teletrack, DP Bureau or DataX) that track consumer transactions with lending institutions.

Q: Will only the amount I owe on the loan be withdrawn from my account?

A: The amount authorized in the loan agreement is the maximum amount lenders can legally withdraw from your account.

Q: I was approved! What’s the next step?

A: Loan conditions (e.g. repayment period, interest rates, fees, etc) vary from lender to lender. You should review the loan conditions carefully and then decide to accept or decline the loan. Think carefully before declining the loan, because you will not receive another offer from that lender for at least 30 days (this is an industry-practice to protect consumers against predatory lending).

Q: I accepted the loan offer! What’s the next step?

A: If you accept the loan offer, you will receive an email with your lender’s customer service phone number and further instructions. This email is usually sent immediately, but may take up to one day for you to receive the email. Please make sure you check your junk/spam folder in case the email has been mistakenly placed there. Some individuals may also be contacted by phone.

Q: I have a question about the company my cash loan is with. Can you help me?

A: We do not have access to your loan information. If you have questions regarding your loan you should contact your lender.

Q: Do you have my lender’s phone number?

A: If you need to contact your cash loan lender, you should check the lender’s confirmation email for their contact information.

Q: Do you have a phone number I can call?

A: As iLoans90.com is a free service to you, we only offer email customer service. Contact Us if we can be of further assistance. Remember: we’re not a lender and cannot answer questions specific to your loan or your lender.

Q: Do you have any tips for getting my loan approved?

A: We have compiled a list of the 10 most common mistakes people make when applying for a loan.