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Welcome to our FAQ board. We would like you to get acquainted with the main issues of short-term loans and principles of our service. You may also contact us directly in case you do not find the answer to your particular question. Our professional team is ready to help you make the best decision on your credit option.

What is a payday loan?

A payday loan is a short-term loan (up to $1000) which is generally repaid within a period from 1 to 30 days on the day of your paycheck. Such loans have to be applied for in case of financial emergency and are not supposed to solve any long-term debt problems.

How does your service match clients and lenders? does not operate as a lender and does not make any credit decisions. We just connect consumers with independent online lenders on the basis of the information consumers submit. The process starts by filling out a simple application form. As soon as you submit the form, tries to match you with a third party lender. Generally, all payday loan lenders have similar terms and conditions, but they may vary from lender to lender sometimes. Differences may concern fees, repayment terms, etc.)

Once you have been connected with a third party lender, make sure you fully understand their terms and conditions. You may decline the offer if you do not agree with the lender's requirements. In case you have any questions, do not hesitate to contact you payday loan lender directly.

Does your service charge any fee for registration and mediatory services?

Registration is free of charge. As we do not operate as a lender, we do not charge any fees or interest for registration. What does is to match your request for a loan to third party payday loan lenders who will be able to meet your financial needs. Once you are approved by a payday lender, you will be informed about your rates and fees.

How much can I borrow with a payday loan?

As a rule, the amount you can obtain ranges from $100 and $1,000. Bear in mind, however, that not every payday loan lender can offer up to $1,000. Various factors, such as your income, type of employment, etc, can affect your lender's decision.

How fast can I get my cash if I am approved?

Generally, an approved payday loan is transferred to your bank account within a few hours, or the next business day, as online search and match service works 24/7. Keep in mind, however, that the transaction time can vary from lender to lender and may depend on your individual financial agency.

What are the major requirements to apply for a payday loan? does not operate as a lender and cannot make any decisions in terms of credit. Generally, payday loan lenders' requirements are limited to the following ones:

  • A customer has to be 18 years of age or older
  • A customer has to have US citizenship
  • A customer has to have valid savings or checking account
  • A customer has to get a regular income of at least $1000 a month

What information do I have to submit to get a payday loan?

In order to be matched with a potential lender, customers have to provide certain information concerning their employment, banking and personal details. As a rule, this information includes name and address, email address and your telephone number, your social security number and some banking details, as well as your employment information. All the provided information has to be accurate as payday loan lenders may perform a credit check or otherwise verify the information submitted.

How secure is the information that I provide?

We respect your privacy and employ a variety of measures to secure the information our clients submit. 128-bit Secure Socket Layer (SSL) encryption technology is used by and use of our services is governed by Terms & Conditions of Use and Privacy Policy.

Can I take more than one loan?

The number of loans you can get usually depends on the law of each state. Besides, if there are any defaulted loans, it is advisable to inform your lender.

Do independent lenders carry out any credit check?

Sometimes they perform a credit check or verify the information submitted by potential borrowers. Each and every lender makes credit decisions individually and does not take part in any credit decision-making.

Can a bad credit applicant get a loan?

As short-term loans are secured by the borrower's income, your credit history does not prevent you from being approved. The amount offered and terms of repayment, however, may depend on credit score.

When must I repay my payday loan?

As it was mentioned above, does not operate as a lender. Your independent third party lender sets their own terms and conditions concerning repayment. It is advisable to contact your lender in order to get the full information.

What if I am not able to repay my loan in due time?

First of all, you should examine all the terms and conditions before signing a loan agreement. All the lenders in our network try implement the best lending practices in the industry and follow all federal and state laws. We suggest that borrowers contacted their lenders as soon as possible if they are not able to repay a loan on time.

In case a customer is not able to repay the loan, a lender may either charge the so-called late fees or report your account to a collection agency. Besides that, your information may be reported to a consumer reporting agency which may result in your negative credit score. Otherwise, you may ask your lender for renewing, refinancing or extending your loan, which may entail additional fees and interest. does not operate as a lender. All the specific information concerning terms and conditions of your loan, as well as terms of repayment should be addressed to your lender.

Material disclosure
This site does not operate as a lender and do not make any credit decisions at The main purpose of our website is to accept loan applications and then forward it to potential lenders. Lenders are solely accountable and responsible for loan transactions and their conformity with applicable USA regulations and laws.

In order to determine the level of your financial standing and creditworthiness participating lenders may carry out a credit check. There is no guarantee that every potential client will be matched with a lender neither there is a guarantee he or she will obtain a payday loan. The primary function of is to share the information you submit with third parties, members of lending institutions and third party lenders including.

Providing personal information through our site, a client agrees to its Privacy Policy and Terms and Conditions. The states whose residents are not entitled to payday loans are as follows: Arkansas, New York, Vermont and West Virginia. The list of states whose residents are eligible to apply to payday loans may change without prior notice.