Q: I've heard of payday loans described as numerous different terms. What are the differences?

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can help get you through a temporary financial difficulty.

Q: I would like to get a payday loan. How do I receive my cash?
The payday loan / cash advance is usually deposited directly into your bank account.

Q: What is the loan approval process?
Once you have completed the application, you may be connected with a lender that matches your needs. Based upon information you provide in the application, each lender will determine whether or not they can offer you a cash advance. If you are pre-approved, you will be forwarded to the lender’s web site. If you are not pre-approved, we will try to present you with an opportunity to apply at another web site for a cash advance or similar product.

Q: I have finished the application. When will the money be in my bank account?
Depending on the lender that you qualify for, the money can be in your account in as little as one day. You will be contacted by email or telephone shortly after you apply with follow-up from your lender.

Q: How much money can I have advanced to me?
You can get anywhere from $100 to $1,500, based upon the information that you provide to us on the loan application. Amount advanced depends on your situation including but not limited to your income. Not all independent advance companies can provide you with up to $1,500 on your first advance, which is usually around $300.

Q: What are the loan fees for the cash advance?
Fees generally range from $15-$30 per $100 charged, or an APR of 300% to 800%. Be sure to review the specific terms of the offer from the lender that can provide you with a cash advance.

Q: I do not have access to a fax machine. What can I do?
You may not have to fax paperwork in. If however your lender does require faxing, you can simply go to your local Kinko's, Office Max, Office Depot, Staples, or Mailbox Etc. to use their fax machine. Keep in mind that a faxless lender usually takes longer to approve your loan, so a simple drive to a local fax machine can help you get your loan much more quickly.

Q: Will someone check my credit report?
The independent advance companies may verify your supplied information with any number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint.

Q: I am ready to get a payday loan / cash advance! Where do I go to apply?
Great! To begin you can choose from one of our recommended providers or click here to go to our online loan application and sign up today!