FAQs

PaydayLoansCashAdvance is not a direct lender. We are a marketing company that has nurtured close relationships with a large panel of direct lenders. Our service connects loan customers to the reliable lenders in our network. With one simple online form, we can connect you with a lender offering a loan which can suit your needs. Submitting a loan form on our site does not incur any cost to you.

The loan terms, fees, and rates are determined by the lender and are fully detailed in the loan approval paperwork. Customers are under no obligation to accept any loan offered to them.

We understand that you may have questions about the payday loan, cash advance, or installment loan process. To help you with those answers, we have gathered the most commonly asked questions. Feel free to scroll through this page to find the answers that you are seeking.

Any questions that you may have with regard to your loan repayment, extensions, fees, rates, or status will be answered by the lender who is handling your loan. Once your form is submitted and approved, you will be given the lender’s contact information and terms.


Here are our most frequently asked questions:

What is a payday loan / cash advance?

A payday loan, also known as a cash advance, is a short term loan that is due back in 30 days or less. The loan is ordinary due when the borrower receives their next paycheck. They are a straightforward, fast, and secure method of obtaining funds. This type of loan is a sensible solution for helping borrowers to pay for an unexpected expense or to avoid bounced checks and late payment penalties from bills.

What is an installment loan?

An installment loan is similar to a payday loan, except that you can usually borrow a larger amount and the loan is typically paid back in 2 to 12 months. Small ‘installment’ payments are made each month until the loan is fully repaid. Just like with payday loans, installment loans may be funded in as fast as 24 business hours after completing the form.

How do I qualify for a payday loan, cash advance, or installment loan?

  • Be employed for a minimum of 90 days or receive steady income from benefits
  • Be a permanent resident or citizen of the United States
  • Be at least 18 years of age or older
  • Have an income which exceeds $1,000 per month after taxes
  • Have an active checking account in your name
  • Have a valid email address

How does the money get to me?

Once your payday loan, cash advance, or installment loan form is approved and you have e-signed the loan documents, the funds are electronically direct deposited into your checking or savings account.

What if I have bad credit or a bankruptcy on my credit report?

Having a low credit score will not prevent you from being approved for a payday loan, cash advance, or installment loan. Bounced checks, charge-offs, bankruptcy, collections and other credit issues will not halt your ability to receive a loan. These types of loans are designed to be accessible to individuals with credit troubles.

How long does it take to receive the payday loan, cash advance, or installment loan?

The form process takes as little as five minutes. The approval process takes anywhere from a few seconds to a couple of minutes. Once approved, your funds will be in your bank account by the end of the next business day, and quite often even sooner than that.

Do I need a printer or fax machine?

Not necessarily. It is possible that the lender we connect you to may require you to send them further information, such as your last paystub or a bank statement. However, personal ownership of a fax machine or printer is not mandatory in order to get a payday loan, cash advance, or installment loan. We advise you to print your loan document forms, but that is not a requirement since you could instead keep an electronic copy. If you do not have access to a fax machine or printer through your home, a friend, a family member, or at your work, there are a number of companies which offer these services. Your local yellow pages will help you to locate one of these companies.

Loan rates and fees are determined entirely at the discretion of the lender. The fees vary from lender to lender, and are based in part by the size of the loan. The lender will notify you in writing of the exact fee at the time of loan approval. While the fees associated with payday loans, cash advances, and installment loans are higher than standard bank loans, they are significantly lower than charges that you would accrue from late fees from unpaid bills, overdraft fees, and other expenses incurred from late payments. In addition, your chances for being approved for a payday loan, cash advance, or installment loan is much higher than that of a traditional bank loan.

How do I repay the payday loan, cash advance, or installment loan?

Repayment is simple. The repayment amount and loan fee are withdrawn directly from the same account that the funds were deposited into. This occurs automatically on the due date of the loan. There is no need to pay manually or to drive all of the way across town to a store.

Can I get an extension on my payday loan, cash advance, or installment loan?

Most of the time you can. Grants for loan extensions, also known as a ‘loan rollover’, are determined by individual state laws. There are some states whose laws forbid the practice of extending (or rolling over) a loan, while other state’s laws allow multiple rollovers. Feel free to check your state laws on our locations page to understand your rollover options. Additional fees do apply to loan extensions.

What if my loan repayment is late?

Each lender within our network has their own policies regarding late payment. We suggest that you carefully and thoroughly review all of the terms and conditions of the lender. This is an important step to take prior to accepting the terms of the loan. Once you have e-signed the loan paperwork, it becomes a legal document which constitutes your obligation to make full repayment. Individual state laws determine how much lenders may charge borrowers who are delinquent on their payments.

What happens if I default on my loan?

Before this occurs, we highly recommend that you contact your lender directly to be given any necessary information, options, or instructions. Should you default (non-payment) on the loan, you may be charged additional fees. Lenders are allowed by law to pursue collections for any past due accounts and may do so to the fullest extent of the law. This information should be in the loan agreement and should be read carefully prior to signing the loan document.

Can I take out more than one payday loan, cash advance, or installment loan?

Yes, most of the time. However, the specifics depend upon the laws of the state you reside in. Some states prohibit multiple outstanding payday loans, cash advances, or installment loans. Lenders will check with 3rd party bureaus to make sure that you do not have any other outstanding loans. To understand the laws of your state, find your state at the bottom of ourlocations page.

If I need another loan, when can I get another?

In most cases you can get started for another loan instantly. However, some states require a cooling off period between loans. To familiarize yourself with the laws of your state, we recommend that you go to our locations page for more information on the lending laws in your state. No matter how many times you get started, our service is always free to you.

Is my private information secure?

Here at PaydayLoansCashAdvance.com we consider your personal information to be as important to us as it is to you. Therefore, we implement every feasible security measure to ensure that your information is kept private and safe. Our website uses the most secure and advanced internet technology. Sensitive information transmitted between your browser and our website utilizes 128 bit Secure Socket Layer (SSL) encryption.

I am a returning customer, how does this work?

When you get started again with us at PaydayLoansCashAdvance.com, you may certainly be approved for another loan. When you do so, you will already know how our form process is streamlined and fast. Simply fill out a new form to find your way to the additional funds that you need.

How can I check on my loan status?

Lending laws and regulations prohibit lenders from disclosing approvals and processing information to PaydayLoansCashAdvance.com. Therefore, to check the status of your loan form, you will need to directly contact the lender that we connected you to. Your lender will be there for you to answer any questions you may have.

The operator of this website is not a lender.
This site will share the form information provided by the consumer with one or more lenders.
This site can connect you with a cash advance lender based on your form and lender requirements.
Not all customers will be connected with a lender, and not all forms will be approved by a lender.
PaydayLoansCashAdvance cannot guarantee the amount of funds that may be extended if a lender approves the form.
*Not all lenders can provide up to $1,000. Consumer loan amounts vary bases on creditworthiness.
Lenders tend to provide upper range loan amounts to returning customers. Cash transfer time may vary between lenders.
Funds are not available until the next business day. Cash advances are not available in all states.
Lenders may undertake credit checks or otherwise verify the consumer’s social security number or other information.
If and when lenders preform credit checks they are ran via specialized credit bureaus.
Late payments of loans may result in additional fees or collection activities, or both.
Non-payment of credit could result in collection activities.
Each Lender has their own terms and conditions, please review their policies for further information.
Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender's renewal policy.

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