Frequently Asked Questions
What is a cash advance or payday loan?
A cash advance or payday loan is a short term loan, usually up to $500, for times when you need extra cash before payday.
What can a payday loan be used for?
You can use your money for whatever purpose you like, such as unexpected auto repairs, medical bills, or any other expense.
Can I qualify for a payday loan or a cash advance?
Getting an online cash loan is easy. To be approved for a payday loan, you must:
- Have had your current job for at least 90 days
- Be 18 years of age or older and a citizen or permanent resident of the United States
- Have take home pay of at least $1000/mo after taxes
- Have a current home and work phone number and valid email address
How much can I get?
You can qualify for a payroll cash advance from $100 to $500.
How do I get the money?
Once your payday advance is approved, the money is deposited directly into your checking account, normally by the next business day.
Can I still get a loan if I have bad credit or a bankruptcy?
A cash advance is a no credit check loan. Your credit rating does not matter. Bankruptcy, charge offs, bounced checks, and other credit issues do not affect your ability to get a cash advance or paycheck loan.
How long does it take?
USAPaydayLoansQuickly.com has one of the fastest turnaround times available online. Our secure application takes about 5 minutes to complete. Once you have completed the online forms your loan application will be reviewed and normally funded the next business day.
Do I need a fax machine or printer?
The lender assigned to your application may require that you fax in additional information to be approved such as a copy of your recent pay stub or telephone bill. Kinkos, Office Depot, Office Max, Staples, Mail Boxes Etc. and other stores offer fax services if you do not have access to a fax machine.
How much does it cost?
The fees charged will vary depending on the amount of your cash advance and the lender. Your lender will notify you of the exact fee for your loan at the time your application is submitted. Cash advance loans are designed for your emergency cash needs. The fees charged are normally less than other types of costs you may incur return check fees, late charges, phone reconnection, rent penalties, etc.
If I already have a payday loan outstanding, can I still qualify?
You may qualify for a payday advance loan even if you have another loan outstanding, as long as you disclose it on the application form.
How and when do I repay the loan?
Your online payday loan is paid off when you receive your next paycheck. On the due date of your payday loan, the loan amount and loan fees will be withdrawn from your checking account automatically. You do not have to make payments or visit any store!
What if I cannot repay the loan when it is due?
If you cannot pay your short term loan on the repayment due date, you can request an extension from your lender. Additional fees will be charged if you wish to extend the term of your cash advance.
How do you protect my private information?