How to qualify for a payday loan?
- Be at least 18 years old;
- Be a U.S. citizen;
- Be employed and have a reliable source of income;
- Have a checking account;
- Have a valid email address and phone number.
What loan amount can I apply for?
- $ 200.00 – $ 500.00;
- $ 500.00 – $ 1,000.00;
- $ 1,100.00 – $ 2,500.00.
How can you apply for a loan?
You can apply for a loan through our referral service:
- choose the required loan amount and payment term, based on the desired amount of the monthly payment;
- fill in the required data: full name, US resisence, phone number, email address, declared address of residence, amount of monthly income, amount of monthly expenses for obligations.
To assess your application, we do not need any additional documents about your income or obligations. To send an application, you will need access to the online banking – you will need to authenticate through this service so that we can make sure that the sender of the application is directly the person whose details are indicated in the application. To sign an agreement, the following documents will be required:
- driver’s license.
How long does the application review process take?
As a rule, all applications are reviewed within one hour, but in the case of a large flow of customers, the duration of the application review process may increase. If you have not received an offer within one hour.
For what purposes are loans issued?
Payday loans are non-targeted ones. We will not require confirmation of the intended use of the borrowed funds, the amount of which can range from $ 100 to $ 2,500.
What are the fees?
Our referral service does not use hidden commissions and extra payments.
Will the loan be approved for me?
Each payday loan application is processed individually, taking into account solvency, availability of documents and other characteristics of a particular client.
Can I take out several loans at the same time?
The borrower cannot apply for several loans at the same time. The user can always get the next loan after the current loan is fully repaid.
Should I be officially employed?
It is only necessary to be able to confirm the current employment of the borrower.
Do I need to prove my income?
We do not require certificates from the client confirming income, since they are not required for issuing a payday loan.
Can I take out a loan for a longer period than indicated in the loan calculator?
No. The maximum loan term is 30 days. This is a definite feature of short-term loans.
What states do you serve?
The lenders from our referral service serve the following states: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.
What states do you not work in?
We do nt operate in Arkansas, West Virginia, New York, Vermont.
How long does it take for my application to be approved?
Usually, a decision is made within 15 minutes, if you have not received any information, call the support service. Our manager will help you find out the status of your application.
I do not have a work phone number, what to do?
This field is not mandatory. You can indicate the contact number of a supervisor or colleag, which will confirm your employment – this will increase the likelihood of taking out a loan. If you are unemployed, check the corresponding box.
How to sign an agreement?
Press the button get sms-code. A code will be sent to you, which must be entered in the appropriate field and confirm the depositing of the payday loan.
I entered incorrect details, what should I do?
If the application for cash advance has already been approved, the money will automatically be returned to our account, and if the application is rejected, submit it again, correcting the mistakes. The data of the account owner or card must completely match the data in the personal account.
What is the loan repayment period?
This referral service provides clients with payday loans, which involve repayment in one installment upon the expiration of the loan in accordance with the agreement. Also, the client has the opportunity to repay the loan ahead of schedule.
How long does it take for the money to be credited after submitting the application?
After you have signed the offer agreement in your personal account, the money is transferred within 24 business hours according to the chosen method of obtaining a loan. This is due to the peculiarities of the banks.
The money was not credited to the account, what is the mistake?
Perhaps there was an error in the transaction. Also, the transfer of funds to a bank account (card) depends on the peculiarities of the bank that issued your card and is carried out from 1 to 3 banking days. If the funds have not been credited to your card within 24 hours from the date of signing the agreement, contact the lender to clarify the status of the transfer.