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Repay in flexible installments or next payday, and enjoy no prepayment cost any loan you take for personal use.
What are Payday loans and how can they be helpful?
As the name suggests Payday loans are ones where you can
repay the loan on your next payday! These are short term
loan that helps you to meet emergency expenses. Like car
repairs, medical treatment, meeting sudden expenses and
others.
You can also avail short term installment loan for your
emergency cash need. Unlike the payday loan, which you have
to payback by your next payday, you can roll over the
repayments.
However, for both types of loans the repayment terms are
flexible depending upon your paying capability.
Am I eligible to apply the loan?
You are eligible to receive a Payday loan if you fulfill the
following criteria.
- You must hold a valid USA bank account
- You should have a regular income and must be able to show proof of that.
- You must be at least 18 years of age.
- You should be a USA resident.
What information do I need to furnish while applying
When you apply you need to provide us with the following
information
- Your bank account details
- Your employment details
- Expenses you incur and your income
- Other personal information like your address and proof of age.
How much time will be required for applying?
The application process will take around 5 minutes to
complete after you start it. While starting the application
you should have your bank details and your debit cards
detail handy. You will require them while completing the
application.
What is the maximum amount that can be borrowed?
It will be based on your requirement and your eligibility.
For short term payday loans will range from $50 to a maximum
of $1500.
What is the interest rate charged?
We charge competitive rates in the market and it also varies
from one person to another. The annual rate will always give
a fair rate reflection and you will be told before your
payday loan is granted.
If I have a bad credit, am I eligible to apply for the loan?
Yes, you can.
The decision taken by the majority of our lenders is based
upon credit history, but they also consider your current
financial position. The main criteria are whether you are
able to pay back the loan on time or not. Sometimes, you may
have a good credit history but presently is not employed.
Thus, they consider every situation.
Overall, the decision will be taken based on the information
you provide while applying and of course your credit rating.
How long will it take for distribution of money?
After the loan is approved it may take only 15 minutes for disbursement or may take 3 days also. it depends upon a lot of things like your profile, working hours etc.
How will the money be distributed?
The amount approved will be deposited directly into your bank account. Thus, it is necessary that while filling out the application form you double check the bank details that you furnish.
What if I am not able to pay back the loan on time?
A payday loan is a short term loan that is expected to be
paid back with your next payday. You must apply for a Payday
loan only when you are assured that you will be able to
repay it back on time. While you apply you are agreeing to
the terms and conditions that may vary from one lender to
another. For non-payment, your credit rating may get
affected. In such a case, it will be tough for you to get a
loan in the future. Your lender may charge you deferred fees
or charge extra interest.
Whatever be the situation, it is best that if you think that
you are unable to pay back the loan on time you must contact
the lender who has approved your loan and state the
situation you are undergoing.