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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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