How does the payday loan process work?

After your loan is approved, the money is directly deposited to the bank account of your choice. You will begin making payments on your next payday; it is recommended that you pay the full amount immediately, but payment plans are generally available. You can make your payments online.  You don't have to go anywhere to make your payment!

How long does the process take?

After your online payday loan is approved, it takes one business day for the money to be electronically transferred into the account of your choice. Payday loans are generally approved within 24 hours. If you apply before 2:00 PM EST (the end of the business day), funds could be available to you the next day!

I need a bad credit payday loan.  What do I do? 

You just need a checking account that's been open for one month or more without any bounced checks, and a job that pays at least $1,000 a month.  If you already have one payday loan, you can only get one more.

Can I get approved?

You will most likely be approved for your payday loan.  If you are declined, it will most likely be because you have bounced checks or are not currently employed.

How soon is the money available?

Depending on when you apply, the funds could be deposited the same business day, or the next.  They will usually be available the following business day.  If you apply during the weekend, payday loan application will be processed on the following business day, Monday (barring holidays).

*Note: The timeframe for your direct deposit will depend on the bank with which you do business.

Is a credit check performed?

A credit check is generally not required for a payday loan.

What is a payday loan?

It is a short term loan based on your next expected paycheck.  While it is best to fully pay off the loan on your next payday, payment plans are usually available.