Frequently Asked Questions

  1. What happens if I'm late with my payment or don't pay at all?
  2. How much will the loan cost?
  3. What is your automatic renewal policy?
  4. What exactly is a payday loan?
  5. What are the requirements for a loan?
  6. How do I get a payday loan?
  7. How long do I have to pay back the loan?
  8. How do I receive my cash?
  9. How quickly can I get my money?
  10. What hours is your service available?
  11. How do bank holidays affect my loan?
  12. How much money can I have advanced to me?
  13. What are the loan fees for the cash advance?
  14. What if I do not get approved by the lender you matched me with?
  15. What if my application is not matched with a lender?
  16. What if I only have a savings account?
  17. What if I have a fixed income or benefits?
  18. What if I do not have a driver’s license or state ID?
  19. Does your company do credit checks?
  20. Do I need to fax any information?
  21. I am ready to get a payday loan / cash advance! Where do I go to apply?
  22. I still have questions. How can I contact a representative?

What happens if I'm late with my payment or don't pay at all?
Additional fees will more than likely occur in the event of a late or partial payment. Failure to pay will result in legal action, as well as reporting of the non-payment to a consumer reporting agency.

How much will the loan cost?
The cost of the loan and the APR depends on your application. The terms are disclosed in the application process when you are directed to the lender's website. At this point you have NOT accepted the loan. If, when the terms are disclosed, they are not acceptable to you, do not sign the application.

What is your automatic renewal policy?
Renewal policies are determined by the lender, not by us, so they will vary. But, be aware some lenders may not debit your account for the full amount of the loan, which may result in additional fees and a renewed loan. Make sure you read the renewal policy carefully and make your wishes clear to the lender.

What exactly is a payday loan?
A payday loan is what it sounds like, a loan until your next payday. A payday loan is a relatively small unsecured loan for amounts from $100 to $1500. A payday loan is designed to meet your financial needs until your next payday and the amount is expected to be paid back with your next paycheck. Basically, you are writing a check for the amount of the loan, plus a fee to the lender, to be held until your next payday.

Payday loans are also known as payday advances, short term loans, cash advances, cash loans, fast loans, fast cash, bad credit loans, deferred deposit, and a number of other names. Regardless of the name, a payday loan can get you through a financial crisis.

GetYourPaydayLoan.com is here to help you find a payday loan lender. We take your completed application and submit it to our vast network of lenders in order to match you with the lender that is best suited to fit your needs and get you approved. When you search for a payday loan through GetYourPaydayLoan.com, you can be sure that your application will be reviewed by the leaders of the payday loan industry!

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What are the requirements for a loan?
The minimum requirements for a payday loan are:

  • You must be at least 18 years of age
  • Have a job (or be able to prove another regular source of income)
  • You must have an active open bank account

In order to increase your chances of getting matched with a lender, and ultimately approved for a loan, please be sure to fill out our application with honest and verifiable information. For example, when you are filling out your application and come to filling in your phone number, use the most verifiable number that you have, like the one that's next to your name in the phone book. Cell phone numbers are harder to verify, and many lenders will not approve applications with information that is difficult to verify. We will do our very best to find a lender for you, but unfortunately there's no guarantee that your payday loan application will be accepted. Factors such as income, direct deposit of your pay, past payday loan history, and state of residence, may affect the approval of your loan as well.

To be approved for a loan, you need to meet the requirements of the specific lender, not just our application requirements. The lender will evaluate your application and determine whether or not you are eligible based on the lender's own set of approval criteria.

If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Usually this is the case; payday loans are unsecured so the lender usually does a follow up call to make sure that you match all of their criteria.

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How do I get a payday loan?
Simply complete the online application and submit it from our web site. We will take the application to our network of lenders and attempt to connect you to one that suits your needs within seconds.

If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender as soon as the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.

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How long do I have to pay back the loan?
Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

  • Do nothing and your loan will auto-finance
  • Pay off the loan in full
  • Renew the loan and pay interest and fees only
  • Renew the loan and pay interest and part of the principal

Please contact your lender directly if you have repayment questions.

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How do I receive my cash?
The payday loan / cash advance is wired directly into your bank account by your lender. GetYourPaydayLoan.com works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!

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How quickly can I get my money?
Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.

Payday lenders usually process the loan immediately so that it will be available in your account by the next business day after your application is approved, but some lenders can wire the money into your bank account immediately! If you apply and are approved on a weekend or a holiday, the money should be expected on the following business day.

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What hours is your service available?
Our service is available 24/7/365. That's right, 24 hours a day, 7 days a week, 52 weeks a year. Every single day of the year, every single hour, we're here to get you approved for a payday loan!

However, this doesn't necessarily mean you can get your loan every day of the year. Once your application is provided to a lender, sometimes the lender's procedures require additional verification which can only be done during normal business hours due to regulations. Keep in mind as well that the lenders can only electronically deposit money to your bank account on days when your bank is open.

You can submit your loan application to us at any time 24 hours a day 7 days a week. However, since we can match you with any lender in our vast network, and not all lenders operate on weekends and holidays, you may be more likely to find a lender during normal business hours (Mon-Fri 8 am – 5 pm EST).

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How do bank holidays affect my loan?
The following bank holidays are observed by Federal Banks and their branches:

New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the Automated Clearing House department of your bank to verify that the funds have been credited to your account.

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How much money can I have advanced to me?
GetYourPaydayLoan.com will help you get up to $1,500, based upon the information that you provide to us on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them. You will not be able to get more money than you are able to prove that you make in one pay period.

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What are the loan fees for the cash advance?
The lenders that are in the GetYourPaydayLoan.com network are the leaders and therefore have some of the lowest cash advance fees in the payday loan industry, but the fees will vary depending on which specific lender you are matched with.

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What if I do not get approved by the lender you matched me with?
GetYourPaydayLoan.com works with a vast network of payday loan lenders; however, we cannot guarantee that you will be approved by any of them. We do our best to match your application with a lender that is likely to provide you with the loan you need.. However, payday lenders each utilize their own proprietary criteria to evaluate applicants and may not approve all of them.

GetYourPaydayLoan.com is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.

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What if my application is not matched with a lender?
GetYourPaydayLoan.com works with a vast network of payday loan lenders; however, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

  • Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
  • Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.
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What if I only have a savings account?
We have several lenders in our network that can lend you money even if you only have a savings account. Typically this isn't a problem as long as you have a routing number for the account. The routing number is needed to electronically transfer the funds into your account.

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What if I have a fixed income or benefits?
As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.

You don't have to have a job; As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Just enter the provider of your income as your Employer. If you do not have the telephone number of your provider, then enter your own telephone number. Fill in the number of months that you've been receiving this income as the Months Employed.

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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, please enter your passport number or social security number. Either of these numbers should do.

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Does your company do credit checks?
GetYourPaydayLoan.com is not a lender and we do not perform any type of credit check. All we do is try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks either. However, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.

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Do I need to fax any information?
No, the application process does not require faxed documents. However, if you are matched with a lender, they may ask you to fax over certain information, such as a pay stub, if they are unable to verify all of the information in your application.

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I am ready to get a payday loan / cash advance! Where do I go to apply?
Great! You can go to our online loan application and sign up today!
Click Here to Apply Now!


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I still have questions. How can I contact a representative?
Call 1-800-333-4444