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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!

Payday Loans for a Vacation? Really?

Everybody can use a vacation, and because many people are working extra hard nowadays, being able to get away and spend some extra time with the family is something we can all use. The main problem with being able to just pick up and book a flight and leave is that we are in the middle of a sizeable economic crisis, as many families are feeling the financial crunch and are trying hard to stick to a budget and make ends meet. All companies in the travel/hospitality industry are offering enticing vacation packages, but let's face it – vacationing is still very expensive, and right now, a nice family vacation is not what it was, say, 20 years ago. You have to be rich in order to take a vacation nowadays, right? Well, not quite.

Taking a much needed break from the stresses of everyday life is something everyone can use, whether it is a getaway to the beach or taking a trip to the slopes to ski or snowboard. Because it is so expensive, many people have shied away from taking vacations due to their own personal financial situation. In a situation like this, securing money in advance is a perfectly worthwhile option, as you can take out a loan for the cost of the vacation, and simply pay it back when you receive your next paycheck, just like with everything else.

Since we all are working tirelessly hard to put a roof over our heads and put food on the table, taking a little vacation is something that is worth the expense. And since payday loans are easily obtained by anybody with a job and a bank account, regardless of credit, they have become increasingly used by those who want to go on a vacation but cannot afford it. This doesn't mean spending on a lavish vacation to some far away destination; payday advance loans are only secured up to $1,500, so that wouldn't be possible, anyway. But for a weekend getaway to the beach or for a trip to the mountains to do some hiking, taking out money in advance to cover the costs of a vacation would be a very good idea.

In conclusion, if you are a hard working individual and you are responsible financially, securing a cash advance loan is not a bad idea if you want to take a vacation but are not able to afford one. Online cash advance loans are a more economical option than your typical high-interest credit card, and have agreeable terms and conditions. Because many companies are aggressively advertising discounted prices for airfare and vacation packages due to the down economy, now is a great time to take a vacation. You can borrow up to $1,500 to finance the vacation you want to take, and you’ll be surprised how far $1,500 can take you. The bottom line is, if you are a hardworking individual who is responsible with his/her finances and wants to take a much-needed vacation, taking out a cash advance loan to finance it is a great idea.