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How It Works does not operate as a lender. We do not make any decisions in terms of cash loans or credits. Our role is to connect consumers and independent payday loan lenders. provides online services carried out in real time that is why you can be connected with a suitable lender in a few seconds. Registration is free and as a customer you can register online either from your telephone or from your computer.

Once you submit your registration, the process of matching you with a suitable payday loan lender begins. As soon as we match you with the right lender, you get acquainted with the lender's terms and conditions. Then the loan is available the next business day if you agree to the lender's terms and conditions.

In order to be approved for a payday loan you have certain requirements to meet. Generally, they come down to the following:

  • A borrower has to be 18 years or older
  • It is necessary to have US citizenship
  • Valid savings or checking account is necessary as well
  • A borrower has to have a regular income of at least $1000 per month

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.