Best Payday Loans & Cash Advance Site
All Lenders Online - Current Application Approval Rate: 98.96%
All Lenders Online - Current Application Approval Rate: 98.96%
(4:38 pm - Wednesday, March 10, 2010)
Secure Online Lending
Trustworthy companies that offer legitimate loans.
Instant Approval
100% secure online application with fast decision.
Most Affordable Loans
Low fees and flexible repayment terms.
Fast Cash Depositing
If you qualify, funds will be wired into your account as little as 1 hour.
Please Borrow Responsibly
NOTE: Payday Loans also known as Cash Advances are just a short-term cash
loan to solve immediate cash needs and should not intended for long-term financial needs.
FREQUENTLY ASKED QUESTIONS
Q. What is a payday loan?
A. A pay day loan is a loan for a short period of time. The loan amount for this ranges from $100 to $1,500.
Your ability to repay the loan will determine the amount that is loaned to you.
Q. There are lots of different terms. Do they all mean the same thing?
A. All the terms mean the same thing. Pay day loan is also known as paycheck loan, fast loan, bad credit loan,
cash advance, fast cash, deferred deposit, short term loan, cash loan, payday advance, and the like. They all mean a short term loan that is processed
quickly.
Q. Do I need a bank account to apply for a payday loan?
A. Yes, you need either a savings or checking bank account to be eligible for a payday loan.
Q. If I am self-employed or have a fixed income, can I still apply for a bad credit
loan?
A. Yes.
Q. If I am on social security benefits, can I still apply for a bad credit loan?
A. Yes. As long as you have a regular income, our lenders can provide a loan for you. Enter your social security
benefit provider as your employer. Enter your own telephone number if you don't have the telephone number of your benefit provider. Enter the amount
of time you have been receiving benefits as the Months Employed.
Q. If I currently do not have a job can I still apply for a payday loan?
A. No.
Q. I am in the military. Can I apply for a payday loan?
A. No.
Q. What do I need to be approved?
A. Every lender has different requirements. However, as a guide, the following is what the lenders are looking
for:
- You must be at least 18 years old
- Proof of identity and proof of residency
- Current work and home phone numbers
- Have a job or proof of regular income of a minimum of $750.00 per month. If you have a job, you must be employed in the last 4 consecutive weeks
- An active, open bank account in your name
You can be approved even if you have bad credit and you are in a terrible financial crisis. This is because credit is not a factor for approving you in a payday loan.
Q. What if I don't have state ID or a driver's licence?
A. Please enter your passport number or social security number instead.
Q. When will the money be credited to my account after I apply?
A. It only takes a few minutes for our payday loan lender to approve your application. Once this is approved,
money will be wired to your bank account. The time it takes depends on when you apply, but it could be in as little as an hour.
Q. What if I have bad credit?
A. Individuals with bad credit or poor credit are frequently approved for payday loans.
Q. Will a credit check be required?
A. Credit checks are not performed on applicants. Sometimes consumer databases such as "Teletrack" will be
used, but not in all cases.
Q. What is the most I can borrow?
A. The lender you are matched with affects the amount you can borrow. Generally, you may borrow up to $1500 from one
lender. However, not everyone qualifies for this amount. Your lender may offer you a smaller loan until you have established a repayment history with them.
Q. What if I need to borrow more money than what is offered by my lender?
A. To borrow more money, you can apply with multiple lenders to get the total amount you need.
Q. What happens once the loan request is submitted?
A. As soon as your application is received, a customer service representative will contact you to complete the process
and discuss repayment options with you. You will also receive an email of instructions. If you don't receive the email quickly, check your spam folder to see
if these instructions are there.
Q. Is there a way to check the status of my payday loan?
A. You will receive an email regarding your application's status. Your lender may also contact some individuals by
phone.
Q. How much does it cost to receive payday loans?
A. Our company, www.easy-payday-loans.net, provides this service completely free. However,
there is a service fee that will be charged by the lenders. We at www.easy-payday-loans.net work with lenders who charge some of
the lowest fees in the industry. This fee varies and depends on the lender you are matched with. An outline of the fees will be sent to you once your
application is approved. You then have the final say to accept this cash advance.
Q. What hours is your service available?
A. You can apply for a bad credit loan through us 24 hours a day, 7 days a week. Once your application is matched with
a lender, sometimes the lender requires additional verification which can only be done during business hours. Your lender can only wire the money into your
bank account when your bank is open. If you need to contact your lender, it is best to do so during normal business hours (Monday to Friday, 8 am to 5 pm
EST).
Q. How long do I have to pay back the cash advance?
A. It is likely that you will have to pay back the cash advance loan back once you receive your next paycheck. Your
individual lender may have other repayment terms as well, so it is best to check with them.
Q. How do I know that only the amount I owe will be withdrawn from my account?
A. The loan agreement only authorizes the amount you owe to be legally withdrawn from your account.
Q. Can you help me if I have a question about my lender?
A. No, we cannot access your information or contact your lender. You must direct any loan questions to your
lender.
Q. Can you send me my lender's phone number?
A. No. Once you submit your application for a bad credit loan on this site, your lender will send you an email
with their contact information, so check there.
Q. Can you tell me if my loan is approved?
A. No. We at www.easy-payday-loans.net are not involved in the loan approval
process. We do not know the status of your loan. Please contact your lender directly regarding your loan approval status. If you need to contact
your lender, it is best to do so during normal business hours (Monday to Friday, 8 am to 5 pm EST).
Q. What if the lender you matched me with does not approve my loan?
A. We at www.easy-payday-loans.net do our best to match your application with the
lender who is most likely to provide you with a loan. However, we cannot guarantee that you will receive the loan you need. Our network of qualified
payday lenders is one of the largest on the internet. Each lender uses proprietary criteria to evaluate loan applicants and approve those who meet
their criteria.
If you are not approved for a cash advance loan with the lender you were matched with originally, you may re-apply and we will attempt to match you with another lender.
If you are not approved for a cash advance loan with the lender you were matched with originally, you may re-apply and we will attempt to match you with another lender.
Q. Can I email you my information instead of filling in the online application
form?
A. No, you have to fill in the online application form on this secure website. Exactly when your application
to be approved depends on when you fill in and submit the online application form. The faster you submit this application form, the faster you are
likely to get your cash advance loan approved. If you qualify, your cash advance may be approved in as little as one hour.
Q. How do bank holidays affect my loan?
A. The Federal Banks and their branches observe the following bank holidays:
- New Year's Day
- Martin Luther King Jr Day
- President's Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
Q. What if my application is not matched with a lender?
A. We at www.easy-payday-loans.net cannot guarantee that we can find a lender for
you. If you are not matched and you choose to reapply with us, you could try the following to improve your chances:
- Reapply between 8am and 5 pm EST, Monday through Friday
- Ensure your employer directly deposits your paycheck into your bank account. This increases your chances of approval by payday lenders
- Ensure you have paid off your other loans before you come back and reapply. Many lenders will not approve your loan if you already have too many current outstanding loans.