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Common Questions

What exactly is a payday loan?

A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

Payday.pro is here to help you find a payday loan lender. We present your completed application to our vast network of lenders in order to find a lender that is most likely to approve your loan. By searching for a payday loan through Payday.pro, you can be sure that your application has been reviewed by the leaders in the payday loan industry.

What are the requirements for a loan?

The minimum requirements for a payday loan are:

You must be at least 18 years of age
Have a job (or other regular source of income)
You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

How do I get a payday loan?

Simply complete the online application and submit it from our web site and we will attempt to connect you to a lender online within seconds.

If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.

How long do I have to pay back the loan?

Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

Do nothing and your loan will auto-finance
Pay off the loan in full
Renew the loan and pay interest and fees only
Renew the loan and pay interest and part of the principal

Please contact your lender directly if you have repayment questions.

How do I receive my cash?

The payday loan / cash advance is wired directly into your bank account by your lender. Payday works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!

I am Struggling to Make Payments for Several of My Bills – What Do I Do?

Again, a common problem that has affected millions of people due to the current state of the economy is the inability to make timely payments for different types of bills. Whether it is a credit card bill, mortgage payment, insurance payment, or many other types of bills – millions of individuals are struggling and have had to make costly sacrifices in order to pay their bills on time, or have had to incur excessive late fees. Let’s say you just paid a few bills, but are all of a sudden short on cash to pay your $500 credit card bill. Because you are short on cash, you put off paying the bill, incurring late fee after fee, and all of a sudden your $500 bill becomes a $750 nightmare. It’s important to note that credit card companies nowadays are charging higher interest rates and late fees due in large part to the economic downturn. Instead of incurring late fees that only serve to line the pockets of credit card companies, it is important to research the options available to you instead of having to put up with late charges. This of course does not only apply to credit card bills, but to any type of bill as well.

Whenever the due date for a bill or bills is fast approaching, if you find yourself short on cash to pay for that bill, a wise option to consider would be a payday loan. Borrowed against your next paycheck, payday loans are the ideal short-term solution for those who need immediate financial assistance they would otherwise not get anywhere else. Traditional bank loans are usually of no help during a financial emergency, since their application and approval process is too drawn-out, and customers with bad credit oftentimes are left in the dark. With payday loans, those with bad credit can also get approved instantly and have access to the funds they need in order to make payments.

Lastly, while many individuals nowadays are feeling the economic crunch, something can be done about it. You do not have to put up with excessive interest, late fees, or repossession of what is yours. Take charge of your financial situation and be able to make your payments on time so that you can enjoy life more. Don’t make your creditors richer, and make life easier on yourself. Consider a payday loan today to rectify whatever financial crisis you may find yourself in.