When you are in need of cash in between paydays, all you have to do is apply for a cash advance. Also known as a payday loan or short-term loan, these cash advances usually range from $100-$1,000 USD. We play the role of “match-maker” by matching you with Lenders. Approval is simple, most lenders only require that you are 18 years or older, have a checking account with direct deposit and receive over $800 a month in take home pay. There is no faxing needed! The loan must be repaid in a timely manner to avoid additional charges.*
Does your company do credit checks?*
Our company does not do any kind of credit checks. Applicants are matched with a lender based on the fact that they are employed making at least $800 per month in take home pay, have an active bank account and are paid by direct deposit.
What if I have bad credit, or no credit at all?
When the bank, credit card company, or finance company says “No” – Our Company says “Yes!”
How much money can I be approved for?
You can borrow up to a $1,000 short-term loan until your next payday (based on your take home pay).
How long will it take for you to get the money to me?
Once you are approved, lenders usually electronically deposit the money right in to your bank account overnight – it’s that easy!
What types of fees are involved?
The lenders we will work to match you with are very competitive with their fees. Short term loans can be expensive and are intended only for short term needs. Make sure you read all of the Terms and understand all costs before accepting the loan.
What is the typical interest rate on this type of loan?
Our lenders may offer you a loan with a typical APR of up to 390%. Rates may vary at any time, and be dependent on your credit needs.
What does APR mean?
APR stands for the annual percentage rate applied to your loan. It is a finance charge express an annual rate. The APR on a small dollar loan is calculated by the following factors: the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term.
What are the consequenses if I don't pay the loan according to its terms?
If you do not pay your loan according to its terms, your lender may:
· Charge you late fees
· Send your account to a collection agency
· Report your information to a consumer reporting agency, which may negatively affect your credit score
· Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest
We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.
I don’t live in Canada or the USA, can I still apply?
Unfortunately, at this time, we only accept applicants from the United States and Canada; however, we are taking steps to provide our short-term loan service to other countries in the near future.
What can I use my payday loan for?
Use your loan for whatever purpose you want. If you have some bills due, something you need to buy, or just want to have some fun! Your short-term loan is for you to use as you wish.
OUR LENDERS MAY OFFER YOU A LOAN WITH A POSSIBLE APR OF 390%.
RATES MAY VARY AT ANY TIME, AND BE DEPENDENT ON YOUR CREDIT NEEDS.