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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!

Top Ten Reasons You Need Payday Loans

1. Late Cell Phone Bill
Many people don’t even have a house phone anymore. Perhaps your cell phone is your only means of communication with family, friends, or ever colleagues. Or, even worse,you might conduct all of your business via cell phone. If this is the case, it might be severely detrimental for your cell phone to be turned off. Even if it’s a temporary disconnect I’m sure you don’t want your clients to get a message saying, “I’m sorry, the number you have reached is unable to receive calls at this time.” Everyone knows that means you have not paid your bill.

2. You are late on your credit card payments
Most often credit card late fees are not dramatically high. However, the late fee combined with your accrued APR might cause you to surpass your credit limit which will add an additional charge to your bill. Not only can this add up quickly, but if you are more than 30 days late your debt will be turned over to credit collections and will cause a negative mark on your report.

3. Your car breaks down
If you are anything like me, you don’t have many viable options for public transportation. My car is the only feasible choice for commuting to the office and when it goes, I’m stuck.

4. You are past due on utilities
This is pretty much self explanatory. If your electricity is about to be turned off due to delinquent payment, it’s you seriously seek a cash advance. Not only will it prevent you from losing power, but it can help prevent a long mess of red tape when dealing with utilities in the future.

5. You need extra cash until your next paycheck
If your bills have tapped you out for the month, a payday loan will help you get to where you need to be until your next paycheck.

6. You have less than perfect credit
Payday loans are perfect for borrowers who don’t have exemplary credit reports. The lenders typically don’t require any sort of traditional credit checks. Normally the only requirements are that you are over 18, that you have a steady job, and that you have an open bank account.

7. You need money fast
Payday loans are often electronically deposited into your bank account the same day you apply. Because of this fast and easy process, they are desirable for anyone who needs emergency money immediately.

8. Family medical emergencies
Not everyone has a nest egg they can rely on to pay unforeseen emergencies. If you--or someone in your family--have a medical emergency that needs to be addressed right away, a payday loan can provide the money you need. Even if you have insurance, copayments and deductibles can often compound creating large expenses that are difficult to afford.

9. You have a family emergency and need to travel
Imagine there is a death or other catastrophe in the family and you have to get out of town to help. If you are living on a tight budget it might be difficult to afford plane tickets. A payday loan can help make that possible and help you be there for your family in a time of need.

10. You are late on rent and are facing eviction
If you have fallen behind on your rent and can’t seem to catch back up, a cash advance will give you the extra boost in finance needed to ensure you don’t get evicted. At Payday Pro we can help you find a lender quickly and easily. Our easy to use online application will help you be on your way to the financial freedom you desire.