How It Works

What are Payday Loans?

Payday loans are small loans you can use when you are temporarily out of money. Most often, payday loans are short term ones ( issued for two weeks or so) for a modest amount of money (a few hundred bucks). To get a payday loan, you typically fill out an application form requesting the amount you would like to borrow. Your application form gets processed, and, if you meet certain requirements of your potential lender and your application gets approval, the necessary amount of cash is transferred into your bank account. If you can't repay your payday loan on the due date, you can "roll it over" so that the loan is extended. In this case you do not have to repay it, your repayment day is re-adjusted, but your fees keep accumulating.

How Much Payday Loans Cost

In general, payday loans are extremely expensive. You end up paying an annual percentage rate (APR) that may be several hundred percent. For example, you might pay a $10 fee to borrow $100.00 for two weeks. The Consumer Federation of America has some calculations comparing payday loans to their alternatives. These show that you would pay about 226% APR on a payday loan.

Payday Loans - Fast and Secure.

Traditional methods of borrowing money have changed over the years. In most cases, asking family or friends to lend you money can become an embarrassing or difficult endeavor to undertake. Getting approved for a line of credit or unsecured cash loan from a bank has proven to be a challenge due to strict restrictions and bank requirements. The bank application and approval process can be time-consuming and may not lead to an approved cash loan. Your credit score may be important when you apply for a loan with a bank. However, at lenders do not always check your credit; they require NO CREDIT CHECK for cash advance loans. When faced with an emergency cash situation where you need quick cash, is here 24/7 to satisfy your payday advance needs. Millions of borrowers have been rescued with an instant payday loan.

To be approved for a cash advance loan, most lenders will require that you:

  • Are 18 years of age or older.
  • Reside in the United States.
  • Have a steady income.
  • Have a checking account.
  • Possess a valid phone number.
Cash advance loans require no long-term commitments and the entire application process can be done from the comfort of your home or office. The online cash loan application form takes less than 5 minutes to fill out. Very often lenders offer a faxless payday loan with no credit check. Consumers prefer to get their cash advances online at, where only a few qualifications are required for instant loan approval.

The entire cash advance process is fast, easy and secure:

  • No credit checks.
  • Fast approvals.
  • Secure and private.
  • Quick cash is directly deposited into your account.
  • Automated repayments.
  • Loan extensions available.

The lenders also offer instant access and cash advance services for returning customers. Generally, cash advance loans are paid back when you receive your subsequent paycheck. In some cases, two to three pay periods may elapse before payment is due. When looking for cash in advance, remember that has the instant cash lender for you.

While your paycheck may have a scheduled time of arrival, financial emergencies are unexpected. Quite often you need fast cash to lessen the chaos or to prevent further damage to your financial health.

Is it Easy to Apply for a Payday Loan?

The online cash advance payday loan application form takes less than 5 minutes to fill out and is subject to instant approval. Before filling out your payday loan application, have your most recent pay stub and bank statement ready for a quicker approval process. Your information is protected by the latest encryption and security methods, so it is safe.

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