When requesting for fast money with a cash advance, first time borrowers are likely to have some questions. To help provide insight into the process at, we have taken the time to compile a list of common questions and easy to understand answers.

Questions regarding the status of a loan request, repayment, or extension opportunities must be addressed directly to the lender handling the loan. The lender's contact information will be provided to all borrowers after the request has been submitted.

1. What is a payday loan?

A payday loan goes by many names, such as a cash advance or a bad credit loan. A payday loan is a short term, unsecured loan that provides extra funds before payday. The loans usually range from 100 to 1000 dollars for first time borrowers, though this will vary from lender to lender. These loans derive their name from the fact that they are designed to be paid back on the borrower's next payday.

2. How do I know if I qualify for a payday loan? What do I need to request a payday loan?

To request a payday loan, you need to meet the following criteria:

-Be at least 18 years old
-Be a citizen or permanent resident of the United States
-Have a job (held for at least 90 days)
-Earn at least 1000 dollars each month (after taxes)
-Have current home and work phone numbers
-Hold a valid email address

3. How much money can I get with a payday loan?

Most loans range from 100 to 1000 dollars. Some borrowers may be eligible for higher amounts, depending on their borrowing history and take home pay. The maximum and minimum amounts will vary depending on the lender's unique policies.

4. How will I receive my fast money?

Once the payday loan is approved, borrowers will receive their funds via direct deposit. This electronic process puts money directly into the borrower's bank account for easy access and immediate use.

5. What if I have bad credit or have had to declare bankruptcy in the past? Can I still get a loan?

Our network of lenders works with bad credit. If you have less than perfect credit, you can still request a loan.

6. How long does it take to get a payday loan?

Filling out an request can take as little as five minutes. As for receiving the funds, the majority of borrowers will see cash in their bank account by the next business day.

7. Will I need to print or fax anything?

Yes. It is always important to print the loan documents after you have been approved for a loan so you have a copy for your records. It is possible that the lender may request additional information via fax, such as a copy of a recent pay stub or a bank statement. If you do not have access to a fax machine at home, many office stores will provide fax services for customers.

8. How much does a payday loan cost?

The exact cost of a payday loan will depend on the lender and the amount of the loan. After borrowers submit an request, the lender will contact the borrower with information on price. Overall, borrowers should always weigh the cost against the need. Most people rely on payday loans for emergency cash needs. In these situations, a payday loan will usually cost less than late charges, check fees, or other costs that are associated with financial emergencies.

Repayment is usually designed to coincide with the borrower's next payday. This means that most payday loans last no more than 7 to 10 days. Lenders now rely on automatic withdrawal to deduct the loan amount and fees from the borrower's bank account on the due date. This makes it easier than ever to pay back the loan. It is possible to get an extension if needed. Borrowers simply need to contact the lender before the due date. There will be additional fees on all loan extensions.

11. What if I do not have enough money to pay back the loan?

If for any reason borrowers do not have enough money to pay back their loan on time, they must simply contact their lender to work out an extension. It is imperative to do this before the loan is due. However, extensions will come with additional fees.

12. How can I trust that my private information is protected when I apply? uses advanced encryption technology to protect your personal information. For more details on security and privacy, please read our Privacy Policy and Terms of Use.

17. How do I get a loan extension?

All extensions and refinancing needs to be done through the lender. Borrowers will receive the lender's contact information via email at the end of the request process. The lender will then follow up with information about approval, cancellations, payments, and extensions. Just remember to always contact the lender about an extension before the loan is due.

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Legal Disclaimer: In using this website you agree to our Privacy Policy and Terms of Use. A cash loan is a small, short-term loan that is intended for short-term financial relief and not to be a long-term financial solution. Consumers dealing with debt and credit difficulties should seek out debt and credit advisory help. is not a lender and nothing on this website constitutes an offer or solicitation to lend. We do not function as an agent, representative or broker of any lender. We inform users of lenders that meet the users’ stated needs and charge no fee for this service. Residents of some states may not be eligible for a short-term cash loan based upon lender requirements. Completing an inquiry doesn’t guarantee that you’ll be matched with a lender offering your requested loan product. Users are under no obligation whatsoever to use our service or apply for any loan product. Lenders generally perform credit inquiries with credit reporting agencies or obtain consumer reports through alternative providers. By submitting your information, you agree to be contacted by lenders or their agents. This service and offer are void where prohibited.