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The concept of payday loans is quite simple, and this guide should help you to understand exactly how the whole process works.

You may have seen payday loans being advertised on the TV, in magazines or on the radio, but of course, the adverts don't provide the finer details to give you the confidence to opt for a loan.

What is a payday loan?

First of all, you should understand what a payday loan is. The simplest way to view it is a 'cash advance' as it's sometimes called, which you can take out and then repay when you receive your next pay check. It is a short term commitment of usually no more than 2 weeks, intended to repaid in full right away, with an added charge.

How much can I borrow?

You are allowed to borrow up to $1,000, but this doesn't mean that you have to borrow the full amount or will be approved by a lender for this amount. If you only need $100, for example, you can just borrow that amount, or if you need $500, you can apply for that too. The lender will base the final decision on your financial circumstances. So if they don't think you're in a position for $700, they may offer $400.

What do I need in order to request a loan?

As long as you're over 18 years old, reside in an eligible state you, and have an income of at least $1,000 a month, you can submit your request for a payday loan.

I have bad credit

Bad credit is not the be all and end all, as it is with other forms of credit. As long as you can prove to the lender that you have the means to make a repayment, they are willing to overlook any past mistakes. We cannot promise there will be no credit check at all, but it's not usually the only deciding factor. Be wary of sites that promise no teletrack payday loans or similar wording, as these are not actually legal.

How long does it take for payday loans to be approved?

Before you can apply for a payday loan you will need to use our loan request form and get matched with a lender. We'll try to find one for you from our network within just 3 minutes. Once you are transferred over and have filled out another simple form, the lender will do their best to give you their approval decision as fast as possible.

When does it need to be repaid?

The date of repayment will be clearly displayed with the lender's offer and should fall on or after your next pay day (usually no longer than two weeks). The full amount must be paid back in one lump sum, along with the finance charge. Again, all of this must be clearly presented to you before you sign any contracts.

What can I borrow money for?

What you choose to spend the money on is your own personal business, but payday loans are intended to cover unforeseen expenses and emergencies during the working month, rather than to cover other debts. As long as you're honest with yourself, you should run in to any problems.

The Offer

Once you have been matched with a lender and the lender makes you an offer, you will be greeted with a copy of the loan terms, which includes all of the finer details you need to know - such as the finance charge, date of repayment, late payment fees and interest, among other info. You should take the time to read through all of this before you make a final decision.

If you change your mind you are free to walk away with no obligation, but if you're ready to proceed you will be prompted to digitally sign the contract. You will then receive the cash in your designated bank account as soon as the next business day.

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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.