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Return to ApplicationFrequently Asked QuestionsI Am a Returning Customer and Have Questions Questions About Applying for a Loan What is a Payday Loan or Cash Advance? A cash advance provides you with emergency cash when you need it most, usually between paydays! Simply complete the fast, online form and your loan request could be matched in minutes! Can I qualify? Qualifying is easy and you don't need to worry about your credit. You may qualify if you:
How much can I qualify for? How much you qualify for depends on a number of factors including your lender, income and employment. To request a loan from $100 - $1,000, simply complete the fast, online form and you could be matched in minutes! And don't worry, any credit type can qualify - even bankruptcy, charge-offs and bounced checks!
Typically, you will be charged between $10 to $30 for each $100 you borrow, which can amount to an annual percentage rate of 261 to 1,304 percent. The total cost of the loan and its APR can vary among lenders. When do I get my money? Once you have applied online, your information will be submitted and verified by our national lender database. Once approved, your cash can be in your bank account as soon soon as the next business day! And don't worry... any credit type can qualify, even bankruptcy, charge-offs and bounced checks! When do I repay? Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it! Still a little short on payday? No problem! Your loan will typically be due in full on your next pay date, however in most cases, you will have the opportunity to roll your loan over to your next pay date for a small fee. Generally online customers are automatically renewed every pay period. Just let your lender know when you are ready to pay in full, and your loan plus fees will be deducted from your bank account. What happens if I Don't pay my Loan according to it's terms? Non Payment: If you do not pay your loan according to its terms, you could be: charged late fees, have your account sent to a collection agency, your information sent to a consumer reporting agency which may negatively affect your credit score, or offer to extend your loan which may cause you to incur additional fees, charges and interest. Collection Practices: Collections practices of lenders and/or any assignee(s) will be in accordance with the principles of any applicable federal regulations at all times. Lenders may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment. Credit Score Implications: Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Please check with your participating lender. What Are My Loan Renewal Policies? Renewal policies vary for each company that offers payday loans and cash advances, and within each loan offer. It is essential to review these policies and terms within your individual loan. I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way? Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you.
How do I reprint my loan documents? You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact your lender to have them email your documents to an email address you request for later printing or printing at another location. I just applied. How do I know if I was approved for a loan? Normally, if approved, you would be directed to your lenders website and or loan page. If no lenders accepted your application, you may be directed to alternative offers and products that may be able to help with your financial situation. I'm a little low on funds. Can I get an extension? Lenders will generally provide extensions. Please contact your lender for details. Are long term or "installment loans" offered? At this time, only short term cash loans are available. I have a Meta Bank account. Can I still be approved? In most cases, customers with Meta Bank accounts are not eligible for a loan.. If I am not employed, but receive income from disability, retirement, social security, or pension, can I still get a loan? Yes, Some lenders may still accept your application if you receive benefits income. Where do I find my bank account and routing number? Your bank account number and routing number can be found at the bottom of your check. Your account number is a unique number given to you by your bank representing your checking or savings account. Your routing number is a public number that is associated with your bank. I don't have a bank account. Can I still be approved? Unfortunately, you must have a valid checking or savings account to get a loan. Your cash has to be electronically deposited into your account. Is there a number I can call to speak to someone? To apply for a new loan over the phone, you may call 855-338-0956. This is not a customer service hotline; questions about the loan process or previous applications are not available to be discussed over the phone. Will my credit be checked? Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. |