FAQ

What is a payday loan?

A payday loan is a short-term unsecured loan you are to repay on your payday. It’s usually taken for a case of an emergency.

What is an installment loan?

An installment loan is an unsecured loan that can be repaid over a period of time determined by you and your lender with a set number of equal scheduled payments.

What is a personal loan?

A personal loan is a credit product that allows you to borrow a large lump sum of money than payday and installment loans for some personal needs. You are to repay it over a certain period of time in fixed payments each month.

Terms and APR may vary from lender to lender. You may be eligible to take out a loan for up to $5,000.

What are the requirements to request an online loan?

  • U.S. Citizen
  • At least 18 years of age
  • A bank account with direct deposit
  • A steady source of income

How much can I borrow?

Most lenders in our network will loan between $200 and $5000. Not all lenders can provide up to $5000, and we can't guarantee that your request will be accepted by a participating lender.

How do I receive my cash?

The funds will be deposited directly into your bank account as soon as the next business day.

How long does the process take?

The whole process takes a couple of minutes. All you need is to fill out our secure online form and submit your request. Then you will be redirected to the lender's website where you can review all the details, including terms of your loan, rates and fees.

What is the actual cost of a loan here?

The service is absolutely free. There is no obligation to use our service and you can always exit the process prior to finalizing loan terms. The actual cost of your loan may vary. You will be provided with information on rates and fees, terms and additional charges before you accept the loan.

How do I repay my loan?

Only your lender can provide you with details on your specific loan terms, as well as the date and time for repayment. Repayment terms may vary among different lenders. Please contact with your lender regarding your repayment terms.

What are the implications of late payments?

Only your lender can provide you with details on your specific loan terms (including the implications of untimely payments). Lenders will often assess fees and interest for missing a payment deadline.
Please be aware that missing a payment or making a late payment can have a negative impact on your credit score.

What are the implications of non-payment?

Only your lender can provide you with details on your specific loan terms (including the implications of non-payment). In case if you fail to make payments on your loan, you may be responsible for additional fees and interest, collection costs and negative credit reporting. You are protected by the Fair Debt Collections Act, which includes limitations on how a lender may collect an unpaid balance.
Please be aware that missing a payment or making a late payment can have a negative impact on your credit score.

Will my loan be automatically renewed?

Each lender has his/her own renewal policy and each state has its own laws regarding automatic loan renewal as well. The renewal of a loan will likely result in the addition of fees and interest to your loan balance. Please contact your lender to get more information on the renewal policy.

Is the information I provide secure?

All sensitive data transmitted between your browser and our website is protected by 128 bit Secure Socket Layer (SSL) encryption technology. Please see our Privacy Policy for details.

Do you guarantee a positive loan decision?

We can't guarantee that you will be approved by one of our lenders.

What if I'm unable to repay my loan?

In case if you're unable to repay your loan, you may be in default of your loan obligations. Late payments and loan defaults may affect your credit score in a negative way. Please, contact your lender immediately if you feel you don’t manage to pay on time.