What Is a Payday Loan?
Payday loans are short-term, high-interest loans that lenders make based on your income. The amount of the loan is generally paid back on your next payday.
Payday loans can provide quick cash. Even if you have bad credit tou still can apply for a payday loan online.
How Payday Loans Work
New payday loans process:
Request Process
You can apply for a new payday loan by submitting a simple and easy online payday loan request form.
Approval Process
You get a quick loan decision about your small payday loan. Payday advance loans are approved fast as they do not involve any credit checks. Your credit score does not apply.
Getting Your Funds
Once your approved, you get the money directly deposited into your bank account the next business day.
Repayment Process
The repayment of a payday loan is made easy. The lender can automatically withdraw funds when your payment date arrives.
Payday Loans in 3 Easy Steps
1
Apply Online Easily
Complete our easy online payday loan application – provide your basic information, select the loan amount, then click the submit button.
2
Loan Decision In Minutes
Once you submit your application you will receive an instant decision in about 90 seconds.
3
Get Your Money Quickly
If you are approved, agree to the rate and terms and then get your cash by direct deposit as soon as the next business day.
How to Get a Payday Loan
You can apply for payday loans by clicking the apply now button and enter your basic information then click the submit button.
From there you will receive your instant decision within minutes. Lenders are online ready to accept your application.
Payday Loans By Phone
Is a Payday Loan Secured or Unsecured?
Most payday loans are unsecured. This means that you do not have to give the lender any collateral.
Free Application
Bad Credit OK
No Hard Credit Checks
Money Direct Deposited
Fast Loan Approval
Available 24/7
How Long Do Payday Loans Stay on Your Credit Record?
Payday lenders do not normally report to the credit agencies, so the loan is unlikely to appear in your credit reports or affect your credit score, as long as you pay it off in time.
If you missed payments or default on the loan then the lender may report it to the credit agency which will negatively hurt your credit score.
What Are the Basic Requirements to Qualify for a Payday Loan?
The basic requirements to qualify for a small payday loan include:
- Must be 18 years old or older
- Steady monthly income or benefits
- Valid email address
- Working telephone number
- Bank account that accepts direct deposits
How Many Payday Loans Can I Have at Once?
It depends on what state you live in and their laws.
Can I Get a Payday Loan With Bad Credit or No Hard Credit Check?
A lot of people search for bad credit payday loans when they have less than perfect credit. Our lenders do not do hard credit checks like your local bank. Lenders are more concerned that you have a stable source of income
What Does It Mean to Renew or Rollover a Payday Loan?
Some lenders allow you to renew your payday loan or rollover the payday loan. Some states however do not allows rews or rollovers so check your state laws before applying.
What Do People Use Payday Loans for?
People use payday loans to help with unexpected expenses or to put extra cash in your pocket. Use your new payday loan to pay for financial emergencies, car repairs, past due bills and more.
What Is the Maximum Amount I Can Borrow with a Payday Loan?
The maximum payday loan amount you can borrow depends on your state’s laws and your monthly income. It depends on your state of residence and lenders.
Related Reading
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APR Disclosure
Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. IncomeTaxLoansNow.com lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Material Disclosure
Exclusions
Residents of some states may not be eligible for some or all short-term, small-dollar loans when you apply through IncomeTaxLoansNow.com.
Credit Implications
The operator known as IncomeTaxLoansNow.com of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.