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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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Consumer Notice: Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Payday loans are not an effective way to solve such a problem, and may get one further in to debt. Federal and state laws cover certain types of lenders and loans, including short-term loans. Consumers are encouraged to research laws that may be applicable to payday loans, as well as ask their lenders for more information.

Availability: Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. WithNoTeletrack.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form.

The owner and operator of WithNoTeletrack.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. WithNoTeletrack.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. WithNoTeletrack.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products.

The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

APR Representative: APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since WithNoTeletrack.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, WithNoTeletrack.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with WithNoTeletrack.com, and WithNoTeletrack.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.

Late Payment Implications: It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.

Non-payment Implications: Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers' credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.