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What are payday loans

and cash advances?

A payday loan or cash advance is a short term loan, no more than 30 days, which is designed to help you with unplanned expenses. The loan is repaid on your next payday. Millions of people worldwide have found the loans to be a lifesaver when a medical, auto or other type of emergency occurs.

How can I use the loan?

Payday loans are the ultimate in flexibility. You may use the funds however you see fit. Unlike conventional loans which come with restrictions on use, a payday loan is yours to use in any way. Does your car need some repairs? Did your son or daughter fall off their bike and break their arm? Or, maybe you need some holiday shopping help? A payday loan or cash advance is perfect for these, as well as many other kinds of expenses.

How do I apply?

Another reason for the popularity of payday loans is their ease. Applying for a payday loan is easy and fast. Click on the "Apply Here" tab and fill out the simple online application. It only takes a few minutes, and if you meet the initial requirements, you will receive instant approval. Look in the “Questions” section for the requirements. Your application is faxless; the entire process is handled online. From application to the money transferred to your bank account, the process is often completed in an hour. It doesn’t get any easier or faster than that.

What is a payday loan or cash advance?

These are two terms that mean the same thing. They are unsecured, short term loans (no longer than 30 days) that are designed to help people when an unplanned expense occurs. The loans require no collateral and in most cases there are no credit checks.

How much can I borrow?

You may apply for $100 to $1,500. Ultimately the lender will decide, based upon your application, how much you qualify for.

What if I have bad credit? Do I still qualify?

Yes. Most lenders do not conduct credit checks because there is no collateral required.