Payday Loans Online FAQ

What are payday loans online?

Payday loan online are small short-term loans that can be used for any purpose and paid back on your next payday. They are also known as payday advances, cash advances, or online payday loans. You can apply for payday loan online via the Internet from your home or office.

Can I apply for a payday loan in all states?
No. Payday loans are legal in 38 states. We have compiled a detailed table clearly showing how payday loans are considered in each state along with the rules on length of loans and maximum interest and fees.

Will I be able to qualify for payday loans online?

To qualify for a payday loan, you need to:

  • Live in a U.S. state that permits payday loans
  • Have a valid e-mail address
  • Have work and home telephone numbers
  • Have a valid checking account in your name
  • Receive an after-tax (net) income of at least $1,000 per month
  • You must be at least 18 years old
  • You must be a citizen or permanent resident of the United States
  • You must have been employed in your present job for at least 90 days

Why should I use your service?

We can help you to quickly and easily find affordable payday loan solutions that are tailored to your requirements. Our customers prefer to deal with us because we help them to find reputable lenders who offer competitive rates and terms. The lenders have transparent terms and conditions, so there’s no need to worry about hidden costs. We also offer free consumer finance resources, education tools and insights into debt and bad credit. We believe that borrowing and lending should be informed and in full compliance with all laws. See our Responsible Lending Policy and Responsible Borrowing Guide for more details on our ethos, advice and the state and federal laws that our lenders are bound to for your protection.

How do I apply for payday loans online?

It’s very easy. You can apply to our comparison and loan introduction service via the internet from your home or office, 24 hours a day. To apply, please fill out our brief online form now.

Will I have to pay a processing fee?

No. Your application will be processed for FREE. There’s no processing fee charged by us.

Will I have to provide collateral or a cosigner?

There’s no need to provide collateral or a cosigner. Payday loans are all unsecured and will be repaid directly from your bank checking account for

How much money can I borrow?

You can borrow any cash loan amount between $50 and $1,000. The amount you can borrow will depend on the information you provide in your application and the decision of the lender.

Will my personal information be safe?

We respect your privacy and will protect your personal information. Please review our Privacy Policy.

How will I get the money?

It’s very straightforward. Within the secure application form, you will provide us with your bank checking details. As soon as your application is approved, your lender will send you an offer that will provide details of the rates and terms. Please review the offer carefully to see if it is acceptable to you. In line with our Responsible Lending Policy, you are under no obligation to accept any offer made to you. If you choose to accept the offer, the funds will be transferred directly to your checking account. Simple as that!

How soon can I get the money?

It will only take a few minutes to fill out our short online form. The money can be transferred directly to your checking account in as little as hours. Some lenders can pay out even faster!

When will I have to pay back the payday loan?

You will have to repay the loan on your next payday. The exact terms will be disclosed by the lender and vary according to the laws of your state of residence.

How do I pay back the money?

Repayment is automatic. On the due date, your loan amount and fees will be automatically withdrawn from your checking account. It can be different from one lender to another so you need to review the terms to be clear of when your repayment will occur and the precise amount that will be collected.

Can I qualify for a payday loans online if I have a bad credit history?

Absolutely. You can get a payday loan even if you have a bad credit history or no credit history at all.

Will I have to fax or mail any documents to you?

Your lender may ask you to fax certain documents, like your pay stub.

What rates and fees apply?

Your lender will inform you about the applicable rates and fees as soon as your application is processed. You will be informed about exactly how much you will have to pay, so there’s no need to worry about any hidden fees.

What will happen if I am not able to pay back the payday loan on the due date?

Please review the Terms and Conditions of your loan from the specific lender to find out about what action will be taken if you’re not able to pay back the loan on time. If you default on the loan, you may have to pay extra fees and may face legal action. To avoid this, try to ensure before agreeing to the loan that will you have adequate funds by the due date to pay back the amount borrowed– then, keep track of the repayment date. Never borrow more than you can afford to repay.

What if I need any clarifications?

You can send us an email at to contact one of our friendly customer service representatives.

To apply for payday loans online, please fill out our brief form now.