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How can I take out a cash advance loan?

All you need to do is to fill out the online application form on our website and submit it. We will try to connect you to a suitable lender within minutes.

If we find a suitable lender, you may be asked to sign electronically to accept the loan terms. You will not be under any obligation to accept the loan offer. There is no need to sign if you are not satisfied with the terms. You can apply again if you want to look for another lender.

The lender will usually deposit the loan amount electronically into your bank account on the following business day. In most cases you can choose a payment option that suits you. Your lender will process all payments from your banking account via electronic transfer.

How soon can I get the money?

Lenders who offer personal loans usually process applications immediately, so you could have the funds in your account on the next business day after you are approved. If you submit your application on a holiday or weekend, the lender will transfer the funds on the following business day. 

What do I need to get a payday cash loan?

You need to be at least 18 years old, have a steady source of income and have an active bank account. To qualify for a loan, you will have to fulfill the approval criteria of the lending company with which you are matched.

If an assigned lending company accepts your loan application, it may get in touch with you directly to request more information which may be needed for approval. Please fill out facts that can be verified in our application form.

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Can I get a loan on a bank holiday?

In case your application is approved on a bank holiday or weekend, usually your money will be transferred to your account on the following business day. Please contact the lending company directly to find out when the funds will be transferred. You can also contact your bank to find out if the money has been deposited in your account.  

Do you perform credit checks?

USAPaydayLoans.net is a not a lender and does not carry out credit checks of any type. We attempt to match your loan application to suitable lenders who are part of our network.

Traditional credit checks are not performed by most of our lenders, but they could search different consumer databases, like DataX, Teletrack or CL Verify, to confirm your identity and study your personal loan history. 

How can I take out a personal loan?

All you need to do is to fill out the online application form on our website and submit it. We will try to connect you to a suitable lender within minutes.

If we find a suitable lender, you may be asked to sign electronically to accept the loan terms. You will not be under any obligation to accept the loan offer. There is no need to sign if you are not satisfied with the terms. You can apply again if you want to look for another lender.

The lender will usually deposit the loan amount electronically into your bank account on the following business day. In most cases you can choose a payment option that suits you. Your lender will process all payments from your banking account via electronic transfer.

How much cash can I get?

Loan amounts vary depending on the lender and the information provided by you to us in your application form.

How soon can I get the money?

Lenders who offer personal loans usually process applications immediately, so you could have the funds in your account on the next business day after you are approved. If you submit your application on a holiday or weekend, the lender will transfer the funds on the following business day.  

How will I get the money?

Your lender will electronically transfer the loan amount directly into your bank account.

I still need clarifications. Can I speak to your representative?

Please contact us now!

I’m all set to take out a personal loan! How do I apply?

Please apply for your personal loan now!

What about the loan fees?

Loan fees vary depending on the lending company with which you are matched. The lender will inform you about the applicable fees.

What are personal loans?

A personal loan is a small unsecured loan which is typically for $100 – $1,000. It is meant to fulfil the financial requirements of the borrower until the next pay day. Basically, the borrower writes out a check for the loan amount and a fee which is kept by the lender until the next pay day.

What are your working hours?

We are ready to accept your application 24 hours a day, 7 days a week, 365 days a year, but the lender’s procedures may require further verification, which is only possible in normal business hours.

The lending company can only transfer funds into your bank account when your bank is open. You are more likely to find a lender quickly in normal business hours, which is from 8:00 am to 5:00 pm EST, from Monday to Friday.

What do I need to get a personal loan?

You need to be at least 18 years old, have a steady source of income and have an active bank account. To qualify for a loan, you will have to fulfil the approval criteria of the lending company with which you are matched.

If an assigned lending company accepts your loan application, it may get in touch with you directly to request more information which may be needed for approval. Please fill out facts that can be verified in our application form.

What if I am late in paying back my loan?

If you are late in repaying the loan, the lender may ask for extra fees or initiate collection proceedings or both. Every lending company has different terms and conditions.

What if I am not matched with a lending company?

We cannot offer any guarantee that we will be able to locate a lender for you. In case you are not matched with a lending company and choose to apply again, you can improve your odds of success by applying during business hours, asking your employer to directly deposit your pay into your bank account and paying back existing loans before you apply.    

What if I am unable to repay the loan?

If you do not repay the loan, the lender could initiate collection proceedings. Every lending company has its own terms and conditions. 

What if I don’t possess a state ID or driver’s license?

In case you don’t possess a state ID or driver’s license, please provide your social security number or passport number.

What if I only hold a savings account?

Many lenders in our network can give you a loan even if you only hold a savings account.

What if my income or benefits are fixed?

Our lenders may give you a loan if you have a stable source of income

What if the lender does not approve my application?

We cannot offer any guarantee that you will get the loan that you require. Lenders use proprietary criteria to assess applicants and may not approve every accepted applicant.

We are not involved in the process of approving loans, so we are not aware of the status of your loan application. Please get in touch with your lending company directly to find out about your loan approval status.

If you are not approved for a personal loan by the lending company you were matched with, you can apply again. We will try to match you with a different lender.

What services do we offer?

USAPaydayLoans.net helps people to find lenders who offer personal loans. We will submit your completed application to our large network of lending companies to find a lender who is most likely to accept your application for a personal loan.

When will I have to pay back the loan?

The loan is usually meant to be paid back on your following pay day, but most lenders may permit you to extend the loan on payment of a fee. Please get in touch with your lender directly to find out about the repayment terms.

Will I have to fax any documents?

No, the loan application process does not involve faxing of documents. However, if the lending company is not able to confirm any details provided in your loan application, it could request you to fax some information, like a paystub. 

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