How It Works:

how it works

Important Facts:

Most of us have a good idea of our financial situation and how to budget month to month.

But even the most obsessive among us can be faced with an unexpected bill or expense that leaves us in a panic.

If your wages are not due for another week or so, where can your turn to cover your obligations in this situation?

One popular option is payday loans.

Before taking out a cash advance it is important to understand that they aren't designed to solve long term financial problems or to fund excessive purchases.

The amount lenders are willing to issue typically falls between $100 and $1,000, and you are expected to repay it in full on the agreed repayment date.

Unlike regular loans that are repaid in monthly installments, cash advance has an average duration of just two weeks - corresponding with your next pay check.

This is why they are called payday loans. They are used to tide you over until your next pay day.

They can be easily applied for online and are an ideal solution for those that dont have access to other forms of credit or are stuck with high interest credit cards.

Read on to know more about what we do and how you can apply online!

What We Do:

If you've decided to proceed - provides a convenient service that gives you access to multiple lenders via one simple online form.

Choose how much you need, fill out your basic details, and we'll attempt to match you with one of these lenders in minutes.

Now you don't have to wait to see a member of staff at the bank or fill out tedious forms.

Everything can be completed online and is designed to be as fast and easy as possible, ensuring you the chance to get cash quickly in the case of an emergency.

What Lenders Do:

You will know on screen if you have been matched with a lender from out network as you'll be re-directed to their page.

Here you will need to complete the online application, which may require you to attach supporting documents regarding your income and employment.

No faxing may be necessary if you have access to PDF statements from your bank etc.

If you are approved an offer will be displayed and you will be given digital access to the full terms and conditions.

Only after you digitally sign the agreement will the loan be processed; before that you are free to walk away at any time with no obligation.

If you do accept the offer, you could see the cash in your account as soon as 1 business day (excluding weekends and none-banking days).

Note it is important that you have funds in the account to make the repayment on the day it is due, as the lender will automatically attempt to take it.

(Our site and those of our lenders are secured with the latest encryption technology and your personal details are never passed on or sold to third parties except lenders).

Applying With Bad Credit:

Nobody is guaranteed approval no matter what kind of credit product they are applying for, but payday lenders are much more forgiving when it comes to your credit score.

This doesn't mean there will be no credit check, but because the amounts they offer are small and the debt is outstanding for a short period of time the lender faces less risk.

You are far less likely to run in to trouble with a payday loan than if you took out a large personal loan, so just because you struggled with debt in the past is not an overriding factor.

As long as you earn at least $1,000 a month from a stable source and are a legal US citizen, over the age of 18, your application will be fairly assessed.

Some form of credit check will however may take place, which is standard within the industry.

What to Remember:

Remember that a cash advance is no less important than any other type of credit, and it is imperative that you follow the terms and make the repayment on the date agreed.

By law all lenders must disclose the amount you are required to pay in fees before you sign the contract, and it is a good idea to read through the full terms and conditions so you are fully informed about what you are undertaking, including the risks and potential costs.

If you fail to make the repayment you could face added interest and collection proceedings.

This will also negatively affect you credit score.

Remember the 5 simple steps:

  1. Fill out our request form.
  2. If matched, complete the lender's application.
  3. If approved, read the terms and sign the agreement.
  4. Sit back and wait for the funds to be deposited directly in to your bank account.
  5. The repayment is automatically taken from your account on the agreed date.

If you are faced with an unforeseen expense that you cannot cover until your next pay check arrives, get started today and you could see cash in your account fast!