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How It Works

How Do Payday Loans Work?

A payday loan is a short-term advance loan ranging in size from $50 to $1,000, with finance charges from $15 to $30 per $100 borrowed (subject to state regulation). The payday loans’ terms vary from two weeks to four weeks.

How Do I Become Eligible?

Provide proof of identification – you must be at least 18 years old, you must be a US citizen or permanent resident, and you must be a resident of the state you apply.

Have an open bank account – you are required to have a savings or checking account.

Have a steady source of income – you must provide evidence of a regular income source, so you can prove you can afford to repay the debt on time.

What Documents Do I Need?

Your ID, passport, or driver’s license; Your bank account number; Proof of income – a recent pay stub or any other evidence of income.

Get Quick Cash with a Few Simple Steps

Get $50-$1,000 in your bank account as soon as tomorrow!

Here’s how to get a payday loan:

1. Complete and submit the application form

Our application process is easy and secure. Make sure you introduce the correct requested information in order to boost the chances to get approved and submit your online application.

2. Get a pre-approval notification

You will get a lending decision on the indicated email address almost instantly.

3. Review the loan’s terms and conditions and e-sign the contract

Check the payment schedule, the loan’s interest rate, and additional fees (subject to state restrictions) and the rest of the agreement provisions. You may decline the offer if it’s not to your liking and submit another application form.

4. Get fast funded

The money can be transferred to your savings or checking account as soon as the next business day or even the same day if you meet the lender’s cut-off time.

5. Pay off the loan

The original loan amount you borrowed and the fees will be debited directly from your bank account on the due date.