How It Works

This website has one goal - to match you with an appropriate lender who can help meet your immediate financial responsibility while keeping the loan process as quick and easy as possible.

It’s true that you are not required to fill out reams of paperwork or wait for a week to get approved (like many traditional loans from a bank). These are some of the reasons that individuals with less than perfect credit can often obtain a payday loan whereas they would not qualify for a conventional loan.

Payday loans are meant to be short-term loans. For borrowers who keep recycling or extending their loans, it could become a dangerous debt trap. We urge you to borrow responsibly. is not a lender, nor does it loan money or extend any type of credit to consumers. Not everyone will qualify for a loan. Each lender has their own requirements and regulations for applicants and the approval process is based on the information you provide. To see if you meet the requirements or have additional questions, visit our FAQ.

Once you submit your application, then shares your information with one or more of the lenders in our network. The approval process is same day and normally takes a couple of minutes. Where you reside, current income, credit history, level of outstanding debt, and other factors can influence if you are approved and how much cash you receive.

Funds will be sent to your account within one business day. Transfer times vary on your banking institution and to when your loan is actually approved.

To help avoid delays in receiving your funds:

  • Try to apply during normal banking hours, Monday-Friday. Banks are closed or close early on weekends.
  • Fill out application completely. Most lenders cannot approve a loan request if the information doesn’t match.
  • Consider bank holidays. This can add an extra day or more to normal cash transfer times.

All lenders must provide in the loan agreement, including but not limited to repayment schedule, fees, renewals, and Annual Percentage Rates (APRs). Renewal policies vary among lenders and not every lender can offer an extension on the original loan. Visit our Rates and Fees page for more information on what a loan will cost.

It is important you fully understand the terms and conditions of your contract and are capable of repaying your loan when it is due. If you are not satisfied with the loan terms, you are under no obligation and may simply refuse. You can always reapply from our website and be matched with a different lender.

Implications for non-payment could be serious:

  • Late and/or partial payments will most likely incur new finance charges
  • Not paying entirely may bring additional fees, collection calls, legal action and have a negative impact to your credit rating
  • Extension and renewal fees could be significant; some states strictly prohibit them so it’s best to check your lender’s policies