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How Online Payday Loans Work

We would like you to be as informed as possible about our services

How Payday Loans WorkA cash advance or payday loan is meant to provide a short term solution to financial needs. Unlike bank loans where payments are stretched out for long periods of time, payday loans are typically paid back on the borrower's next payday. They can be used to help with sudden financial emergencies and can provide an excellent solution for those who need a small amount of money fast, but can pay it back in a few weeks.

Most consumers are very money conscious and can manage their finances very well. Sometimes however, emergency situations arise when money is needed before payday. This is the reason for cash advance loans. They help to lessen the financial burden that can be caused by things like medical needs, late bill payments, car repairs and other financial obligations that may need to be taken care of right away.

During some situations, there may not be another option for those who need money. Friends and family members may not be able to help and bank loans may not be attainable or take too long to finalize. In these situations, same day payday loans are often the best solution.

You can read more about payday loans here:


You may be wondering how the process works. It is actually as easy as filling out an online form and receiving lender approval.

Before proceeding however there are eligibility requirements that you will need to meet in order to begin the process. Fortunately they are not difficult.You should be at least 18 years of age, a legal resident of the United States, have a valid bank account that allows for direct deposits and debits, and have steady income of at least $1,000 a month.

The entire process is fast and easy. Simply fill out the required information in our loan request form, enter the amount of cash that you need and submit.

We will then match you with one of over 100 lenders, all poised to make you an offer.

The lenders in our network provide as close to instant approval as possible (usually as fast as 5 minutes), but you may need to provide statements and other documents to verify your income. If you have scanned or downloaded versions of these no faxing may be involved. Lenders can also get you the money you need in as fast as 24 hours within the working week. This makes payday loans a great solutions for those who need emergency cash. No bank or large lender can offer such a service.

The repayment is taken automatically from your bank account on or just after your next payday. As long as you meet this obligation you will only have to pay one single finance charge, which will be clearly outlined in the loan agreement before you sign the lender's contract.

Payday loans are also available for those with bad credit as well. While no reputable lender will promote 'no credit check', your credit history is not always the deciding factor for approval, and many people with bad credit are approved every day. As long as you have a verifiable form of income that can cover the repayment, your application will be fairly considered by the lender.

Although we obviously have to pass on your personal details to lenders in our network, these are all licensed and regulated as per US federal and state law.

We will never pass on your details to other third parties and our system uses the latest encryption technology to keep your data secure.

Even though payday loans are a fast and simple process, they are still an important financial commitment that cannot be taken lightly. Failing to make the repayment will result in added fees and interest, and will negatively impact your credit score, making it hard to get credit in the future.

Before you sign the agreement with the lender you will be presented with the full terms. This will include the repayment date, finance charge and other fees you may incur. Make sure to fully read this document, because ignorance is not an excuse if you run in to trouble paying the loan back.

If you do not agree with the offer or terms you are free to walk away. Nothing is legally binding until the contract is digitally signed, however a search may be recorded on your credit report letting other lenders know that you have been seeking new credit.

If you have found yourself in a temporary financial struggle and you are just waiting on your next pay check to get back on your feet, then an online payday may be just what you're looking for.

If so, submit your information today and a lender from our network could fund you up to $1,000 within 24 hours!

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Disclaimer: is not a lender and therefore cannot determine whether or not you are ultimately approved for a short term loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. doesn't charge any service fee. Our purpose and goal is to match you with lenders from our network who can provide you with the cash you need in any emergency. We will never act as an agent or representative for any of our lenders. You are under no obligation to use's service to initiate contact, or request credit with any of the lenders. This service is not available in all states and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.