What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At usapaydayloanlender.com, apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Your payday loan can be used at your own discretion.

How much can I receive?

The amount of the loan will be based on application. The lender ultimately has the final say. You may apply for up to $1000.

How do I qualify for a payday loan?

You should meet all of the following requirements:
• Currently employed (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have a checking or savings account with direct deposit.

What is the procedure to apply for a payday loan?
To apply for a payday loan, complete and submit the application found on our website. The approval process immediately gets under way and you will be notified of your status.

What information do I need to complete the application?
We need your name, address, employment information and banking details to complete your payday loan request.

Is my personal and financial information secure?
We respect our customer’s right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?

Usapaydayloanlender.com never charges applicants a fee to qualify for a payday loan.

Does submitting an application obligate me to take out a loan?
No. Submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?

Bad credit will not prevent you from receiving a payday loan at usapaydayloanlender.com. Many people with less than perfect credit still qualify for a payday loan.

Does being a tenant influence my eligibility?

No. Being renting your home does not affect your eligibility for a payday loan.

Do I need to fax my information?

There is rarely a need to fax any personal details.

Can I have more than one payday loan at a time?

No, all other payday loans must be repaid before another may be granted.

Do I need direct deposit?

Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.

When will I receive my payday loan?

You application will be processed within minutes of being received. Once approved, you may collect your loan no later than the next business day.

How will I know that my loan has been approved?

You will receive an email notification once your loan has been approved.

When will my loan be due?

Typically, repayment is scheduled on your next payday.

What if I want to pay back my loan early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.

What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension. But you should make every effort to pay it back on time to avoid penalty fees. Contact your lender if repayment is going to be a problem.

How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. e encourage all of our clients to use these loan responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.

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