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Frequently Asked Questions

What we have here:

Over the years our users have asked all sorts of questions about payday loans, how to use our service, and what's expected from the lender.

To make your experience easier we have compiled a list of the most frequently asked questions and their answers, so you don't have to waste time contacting us directly.

Is my information secure?

Yes. We won't share any personal information you submit to us with any third party, outside of the lending network. Our site uses all the latest SSL encryption technology to protect your data from security breaches, and much of the process is automated so our staff do not even view it directly.

How long does it take for applications to be approved?

You will get as fast approval as possible. Be wary of the fact that instant approval is not a legal feature of payday lending, and anyone promising such is either being misleading or cutting corners.

Am I eligible for a payday loan?

As long as you're at least 18 years old, are a legal US citizen in a state that accepted payday loans, have a bank account, and earn at least $1,000 per month, you may submit your loan request using our service.

What if I have a poor credit score?

Many of our users start out their journey searching for no teletrack payday loans, but having bad credit is not an automatic exclusion from applying for a payday loan, and many customers who are matched with lenders through our platform have made financial mistakes in the past. While we cannot guarantee there will be no credit check, payday lenders are much more interested in your current income status.

Are my bank details safe?

All lenders in our network adhere to federal and state banking laws and will take repayment from your account under the ACH process. They cannot take any more than is due (the principal plus finance charge) and if for whatever reason the transaction fails, future payments will be arranged directly with you. All of your information is stored on encrypted servers.

Are there any hidden fees?

The only fee you will have to pay if you make the repayment on the agreed upon date, is a single finance charge. This will be clearly displayed as part of the offer and you can refer to it in the documentation provided by the lender. Other fees and interest may apply if you miss the repayment, but this is also clearly outlined in the loan agreement.

When do I have to repay the loan?

In general you will need to repay the loan on or just after your next payday, but this depends on the information you provide in the application. Usually this will be no more than 2 weeks following the deposit of the funds. Payday loans are a short term commitment meant to give you breathing room between pay checks. Once you have signed the agreement, the repayment date is set and the repayment will be taken automatically from your designated bank account.

I'm having difficulties submitting my information - what should I do?

You should be able to access our site from any internet connected device with a web browser. However if you're having trouble, this may be a fault with your device or browser. You can try clearing the cache and cookies and trying to submit the form again. If this doesn't work, try using a different browser (Firefox if you're using Chrome or vice versa) or device. If you're still having trouble, get in touch with us and we will get our technicians on the job. If you're having trouble on a lender's site you will need to contact them directly.

How do I know that my details have been submitted?

When you submit you preliminary information through our form you will see a confirmation message and may be transferred to a suitable lender within 3 minutes.

How long do I have to wait for the money?

Most lenders can fund your loan as soon as the next business day.

What can the money be used for?

We and our lenders don't ask you what you need to borrow the money for, but it would be wise to use it for a genuine but temporary financial emergency. Using it to pay off other debts for example will only get you in to more trouble in the long run if you can't pay the lender back.

What if I've changed my mind?

You are free to change your mind at any time during the loan request and application process, so long as you don't sign the agreement. You can simply walk away with no obligation. It should be noted however that once an application has been submitted to the lender, they will carry out some form of credit check which may be recorded on your report, as no teletrack payday loans are not legal. This will let other lenders know you were recently looking to take out credit.

Do I need to send any documents?

While we cannot guarantee a no fax application, as lenders will often require some kind of proof of income, it's likely you already have some kind of online statements that can be downloaded and forwarded rather than faxed. Either way the process is much faster than if you applied for a bank loan.

Can I take out more than one loan?

It's not advisable that you take out more than one loan at a time, since payday loans are only supposed to provide a short-term solution to your financial worries. Taking out more than one loan at any one time can cause problems for you financially, not only in the short term but also in the long term. You are however free to take out a new loan once the first one is paid off.

I want to pay the loan back before payday - can I do this?

Since payday loans are such a short term commitment, there is no reason to pay it off early and you would still be required to pay the finance charge if you did.

I can't pay the money back on time - what should I do?

Don't panic. If you discover that you're not going to be able to pay the money back on time, you need to contact your lender as soon as possible. Although you may still incur added interest and fees, it's better to contact them before, rather than them going through a failed transaction. Non payment is regulated differently from state to state, but all of the terms you need to know will be in the loan agreement provided.

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