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  FAQ

What are Payday Loans and Cash Advances for?
These are short-term loans designed to help clients survive until their next payday. Payday loans can be used to cover different unexpected expenses without high fees and penalties. Clients only have to fill out an application form and the money is deposited to their savings or checking account.


Can I use the money at my own discretion?
Yes, you can. The money can be used either for paying bills or covering you children’s college fees, or paying for a holiday.


What is the amount of money I can count on?
As a rule, borrowers can count on the amount of up to $1500. If a client proves to be a reliable borrower, the amount of cash can be increased.


Are fees high?
They are competitive and in compliance with all federal and state laws. Fees vary and depend on the payday loan lender, but on average they range from $25 to $ per $100 borrowed.


What is the process of qualifying for a payday loan like?
It is easy and you only have to meet some requirements. They are as follows: it is necessary to be at least 18 years old and be currently employed; you have to earn about $1000 a month and have a checking or savings account.


What information do I have to submit in my application form?
In most cases payday loan lenders need your personal data, employment and banking details.


Can payday loan lenders guarantee that my information is secured?
Our clients’ privacy is one of our main priorities. We have implemented a variety of security measures so that the personal and financial information of our clients could be secured. In particular, we use 128 bit Secure Socket Layer (SSL) encryption technology.


How much do you charge for qualifying for a payday loan?
There are no application fees.


Do I have any obligations after submitting an application?
There are no obligations at all. Having submitted an application form you state your wish to apply for a payday loan. You may change your mind and withdraw your request. In case you are ready to get a loan, you have to confirm the information you have submitted.


Can I apply for a loan if I have a bad credit?
You certainly can. You can qualify for a payday loan because there are no credit checks. Even if you failed with other payday loan lenders, our friendly staff will contact you.


Do I have to own a home in order to qualify for a payday loan or is tenancy allowed as well?
It does not influence your eligibility for a payday loan whether you rent or own a home.


Do I have to fax my information?
No, all the necessary information is submitted online.


Are there any restrictions with regard to a number of loans I can apply for?
Yes, it is necessary to repay your loan before applying for another one.


Do you stick to confidentiality policy?
Yes, it is one of our main priorities, too. We do not contact our clients’ employers and do not pass their personal and financial information to any third party.


Do you send any notification if my payday loan is approved?
Once your loan has been approved, we send you an email notification. However, we have the right to adjust your loan approval due to the information submitted in your application form.


What are the repayment terms and conditions?
As a rule, every state has its own rules and regulations concerning repayment dates. Generally, clients have to repay their loans on their next payday.


What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension.


Can I postpone my repayment dates if I am not able to repay it on time?
In this case we practice the so-called loan extension, i.e. if our clients cannot repay their loans on the agreed date, they may postpone the due date, arranging it with our managers.


Am I allowed to repay my loan before the scheduled date?
You should contact our managers to arrange the earlier repayment. In this case you may be entitled to a reduced amount of your loan fee. All in all, the options available are as follows:

  • You can pay the loan in full on the due date according to your loan agreement.
  • You are allowed to pay the finance fee and some part of the principle either before or on the due date.
  • You can pay back only the fee on the maturity date.


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