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Application Help FAQ

Please use this section if you have any questions about completing your payday advance application. If you need information on how the fast loan process works, please visit our Loan Process FAQ.

How do I get a payday advance?

All you need to do to get your payday loan is complete the quick, convenient online application. We will then match you to a reputable lender from our vast lender network within a matter of minutes. This way we connect you with someone most likely to approve your payday loan.

Once you are matched to a lender you will have to sign an electronic agreement to the payday loan’s terms. At this point there is no obligation to accept the loan so if you’re not satisfied with its terms you can simply choose not to sign it and apply again with a different lender.

Typically, the payday loan is deposited electronically in your checking or savings account in one hour or less as long as it isn’t on a weekend or bank holiday. All payments made to the lender will be electronically transferred from your bank account.

If you have any questions about your existing payday loan, contact your lender directly.

What requirements are there for a payday advance?

The minimal requirements are as follows:

To be approved for a payday loan you need to meet the specific requirements of the lender you are matched with. The lender will evaluate your application and determine your eligibility based on its criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

In order to increase your chances of a lender match and ultimate approval, please be sure to fill out our application to the best of your knowledge. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information. Most lenders will not accept applications that cannot be verified.

It is important to remember there's no guarantee that your loan application will be accepted.

What if I do not have a driver’s license or state ID?

If you do not have a driver’s license or a state ID card, you will need to enter your passport number or social security number.

What if I have a fixed income or benefits?

As long as you have a steady income, a lender may be able to provide a payday loan to you. You will need to enter your benefits provider’s information. If you do not have your benefits provider’s telephone number, enter your own. You will also need to indicate how long you’ve been receiving said benefits.

Where can I find my checking account numbers?

Look at the bottom left of your check, the first group of 9 numbers is your Bank Routing Number. This number is always 9 digits long.

The next group of numbers next to the Bank Routing Number is your Bank Account Number. If there are extra zeroes at the beginning or end of your account number, be sure to include them.

The Check Number is far right group of numbers after your Bank Account Number. It is usually four digits and may include a zero as the first number.

What if I only have a savings account?

There are several lenders which can lend you money even if you only have a savings account. You will need to contact your bank to get your Bank Routing Number and Savings Account Number.

I am in the military, can I get a payday loan?

Active-duty or reserve members of the Army, Navy, Marine Corps, Air Force or Coast Guard are not eligible for payday loans, serving under a call or order of 30 days or less. It is essential to be honest when supplying your information. Knowingly making a false statement on a loan or credit application is illegal.

Do I need to fax any information?

The application process is done entirely online but the payday loan lender may require you fax certain information to them such as a paystub if they are unable to verify your application information.

How do bank holidays affect my payday advance?

If you payday loan is approved on weekend or a federally mandated bank holiday, your funds will be deposited the next business day. The following holidays are observed:

For holidays that fall on Saturdays, federal reserve banks and branches are open the preceding Friday. For holiday that fall on Sundays, they are open the following Monday. You should contact the payday lender directly to verify when the funds will be deposited into your account.

How is my personal information being used?

Your privacy is our top concern at PaydayAdvance.org.

Our lender matching service is free to use but to utilize it you must complete one or more online application forms that request personal information from you.

Your use of our service is voluntary and is governed by our Terms of Use and Privacy Policy.

Any personal information you enter is private and only shared with participating lenders. Your personal information is encrypted and secured using 128-bit Secure Socket Layer (SSL).

Once you are matched with a lender you will be redirected to that lender’s website. PaydayAdvance.org is not a lender and your lender is solely responsible for its services to you. Once you leave our website to utilize the lender’s website you are subject to the terms of use, privacy policy and other terms of that lender. Please review the terms and conditions carefully before finalizing your loan.

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