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What are Payday loans?

Payday loans are short-term loans designed to help you pay for immediate expenses. The balance of a Payday loan is due in full by your next payday. Payday loan is design to be paid back when you receive your next paycheck.

How Payday Works

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Fill online Application in minutes

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Request loan amount

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Receive an instant lending decision

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Receive funding same day*

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Make payment on due date

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Request another loan

*Application approved before 9:30AM Pacific Standard Time will be funded on the same day. Otherwise funding will occur next business day.

What do I need to apply for a payday loan?

  1. Bank Checking Account
  2. You must have a direct deposit from your employer to your checking account
  3. You must reside in the state you choose for your loan application
  4. Valid Social Security Number or Individual Taxpayer Identification Number
  5. Valid Email Address
  6. Contact Phone Number

How do I apply for a payday loan?

To apply, all you need to do is fill out our simple application at Our online simplified application consists of your basic information of personal, employment and bank. Our simplified application process allows you to fill out and sign your loan documents on your computer without the need to fax unnecessary documentation. The subsequent loans following the first payday loans are simple and easy since you already filed your application with us.

If approved, when will I get my funds?

You will receive a decision immediately following the completion of your application. For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures.

Monday through Friday: If your application is approved by and before 9:30 a.m. PST, you will generally receive your funds by the end of that day. If your application is approved after 9:30 a.m. PST, you will generally receive your funds by the next business day.

Friday 9:30 a.m. PST to Monday 9:30 a.m. PST: If your application is approved between 9:30 a.m. PST Friday and 9:30 a.m. PST Monday, you will receive your funds on Monday, unless it is a bank holiday.

When is the due date for the loan?

Your payday loan will be due on your next payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.

How can I pay back?

The amount you owe will be debited from your bank account on the day your loan is due.

Can I refinance or re-loan my payday loan?

In most of cases, you are qualified to obtain another payday loan (re-loan) once you make the previous payday loan in full. The loan process is much quicker and simpler since we have all of your account information in our file. To refinance, you simply return to our website and log in as a retuning customer.

What if I change my mind and decide to cancel my loan

Loans at comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

To cancel the loan, please send an email to with a request to cancel your contract or call us at 800.710.0068.

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