How It Works

Here’s how to get started:

Step 1: Simply fill out online application

It’s fast and completely secure but make sure you meet the minimum requirements - be at least 18 years old earning $1000+ a month, with an active checking account and non-active duty in US military.

Lenders normally determine loan amounts based on the applicant’s current level of income, past credit history, and the amount of outstanding debt.

You can avoid delays in processing your application by filling out the form completely and honestly. Lenders generally will not consider a loan request application where the information is not verifiable. Most lenders will confirm personal information such as social security number, address, and phone numbers. They also will perform routine credit checks on applicants (having poor credit does not necessarily disqualify an applicant).

If you have any questions about loan fees, click our Rates.

All information gathered must comply with the U.S. Patriot Act and therefore an applicant's birth date and Social Security number are also required. Once you have completed the loan application, shares this information with one or more lenders who then make the loan approval decision.

Step 2: Read terms before you sign

It is essential that the borrower thoroughly read and understand the loan agreement BEFORE signing any paperwork. If you have any questions regarding the loan agreement paperwork, be sure to get the answers before committing to the loan.

Every lender is required by law to put all terms and conditions, including renewal policies, finance charges, fees, repayment terms, in the loan agreement IN WRITING.

Step 3: Receive your money

Upon approval of an online loan application, the lender may wire or ACH the cash loan amount into the borrower's bank account within one business day.

Not all lenders can provide the maximum amount of funds and transfer times may vary depending on the day you’re approved and/or your banking institution.

You may use your funds for whatever need you choose. However, these loans are designed with a quick repayment time and are meant to be used sparingly and with caution. Payday loans are not a solution to long-term debt problems and should never be used as such. strongly encourages you to use a payday advance loan for true financial emergencies only.