Frequently Asked Questions

Do I need to complete a credit check in order to qualify for a loan?

In most cases, no credit check is required. All you really need is a valid checking account, and proof that you have an income of at least $800.

Do I need to fax any documents in order to apply?

Generally no faxing is required for a simple payday loan. The entire application process can be done from the comfort of your own home, over the Internet.

Once I've applied for the loan, how do I receive it?

Immediately after your request is received, the funds are wired directly to your bank account. You must have a valid checking account in order to apply for and receive a payday loan.

Are there any fees involved in the wiring process?

While we cannot speak for every bank, generally you will not be charged by your bank when you receive a bank wire. If you are, it will generally be a very reasonable amount.

How long does the loan process take?

The time it takes to process your loan depends on a few factors, but we do our best to be as efficient as possible. Once your application has been received, the funds will be wired to your bank account. This process can take less than an hour, but don’t be surprised if it takes a few hours. Also, some applicants with accounts at small or local banks may notice a delay in the processing of the bank wire itself. Unfortunately there is nothing we can do to reduce this wait.

How long does it take to get approved?

Thanks to the instant approval program, you will be approved as soon as you have applied and supplied all required information! Yeah, it's that easy!

How do I apply?

You can apply on our website by following the given instructions. Applications are always done online and can take as little as a few minutes to complete!

What are the requirements to get a loan?

All you need to get a loan is a valid checking account and an income of over $800. That's it! As long as you meet these requirements and supply all needed information on your application, you will be instantly approved for a payday loan!

From start to finish, how long will it take to apply for and receive a payday loan?

While there are a few variables to consider (namely your banks policies and the time of day at which you apply), most loans are sent out the same day they are applied for. So, as long as you don’t wait until 11PM to apply, you should see the funds in your bank account the very same day that you applied. However, keep in mind that each bank has different policies concerning fund transfers, so it can take several days in some rare cases.