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  • Apply For $50 – $1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit

Understanding How Payday Loans Work

Before taking out a payday loan, it is important that you understand what it is and how it works. You might assume that all loans are basically the same, but payday loans have specific qualities that make them different from other forms of credit.

What is a payday loan?

A payday loan is a small, short-term type of credit that must be paid back by the borrower on the next salary date. It is somewhat similar to a cash advance that you get from an employer.

How much can I borrow?

This usually depends on the lender and your income. In general, the amount a lender will grant you is based on how much you earn. It can also vary based on a lender’s criteria. If you do decide to get a payday loan, make sure not to borrow more than what you can afford to pay.

Will I be qualified for a payday loan?

As long as you are employed or receiving benefits, and meet the basic requirements of the loan provider, you can be granted a payday loan.

How soon can I get the funds?

You can expect to receive the loan proceeds in a day or even a few hours if you took out a payday loan from an online lender. Payday loans are typically easy to get so it’s a great solution for emergency financial situations. Can I get a payday loan if I have bad credit? Yes, online lenders cater to borrowers with good, poor or bad credit. 

Frequently Asked Questions

Is There Any Complicated Requirements?

No. All you need to provide is your personal information and proof or income or employment verification. Also, you need to include a checking account information where you wish to receive the funds. Since there’s no need for collaterals, you don’t have to provide anything else aside from what was requested on the online form.

How Fast Can I Receive The Funds?

You can receive your money in as fast as 15 minutes. The application process is easy and fast. You will be notified once you are already approved for a loan. After that, the money will be deposited immediately to the checking account that you have provided.

What If I Miss My Payments?

These things could happen. Some lenders can be lenient for the first and second months. However, you should be aware that missing or delaying your payment could affect your credit badly. On top of that, lenders will also incur additional fees or charges for late fees.

What If I Lie In My Application?
It is not recommended for you to lie on your application. Once a lie is caught, you may face serious consequences. The lender has the full right to void your application or charge you additional fees. You could also face jail time if you are caught falsifying documents.

What Is AGuarantor Loan?

Guarantor loans require a guarantor to co-sign for the loan agreement. If the borrower fails to make payment or defaults on the loan, the guarantor takes over and inherits the responsibilities on the loan. It is recommended that the guarantor and the borrower are closely related.

What Is A Payday Loan?

Payday loans are small cash assistance funds that you can acquire easily. Repayment terms are flexible. You can have it tied on your next paycheck or pay it in advance. It is often referred to as cash advance, short-term loans, and cash loans.

What Is ALogBook Loan?

Logbook loans require the borrower to pledge an asset as collateral. In this case, a vehicle. The borrower hands over their ownership of the vehicle to the lender until the loan is fully paid. If the borrower defaults, the lender may seize or sell the asset to pay for the loan.

Am IEligible?

Even if you have poor or no credit at all, you are eligible to apply for an unsecured loan. Our lenders don’t require minimum credit to be eligible. As long as you can pay the loan on time to prevent extra fees and charges.

Payment Method

It is easy to get paid. All you need to do is to provide a checking information during your application. Once you get approved for a loan, you will receive a notification and the money will be sent directly to your checking account. It’s fast, reliable, and incredibly easy-to-use.