"When my son was hospitalized, we thought that we would lose everything. Being able to borrow the money we needed now until payday saved our home and helped us keep our minds on the important things. "

Kim in Arizona

"Applying online for this loan was simple. All I had to do was fill in a simple form and within hours, my loan was in my checking account. Thanks for making it so easy to make ends meet. I will definitely use this service again."

Alex in Colorado

What Do I Need to Qualify for a Payday Loan?

If you find yourself in a situation where you're unable to make it until your next paycheck, you might be interested in taking advantage of one of the payday loans that are available.  These are becoming increasingly popular and many people use them regularly in order to take care of emergencies that may come up whenever they are living paycheck to paycheck.  Although these are one of the more convenient quick loans that are available, there are some things that you need to understand about these loans before signing on the dotted line.  One of the most important things is understanding the qualifications.

To tell you the truth, there are not all that many qualifications that are necessary in order to take advantage of one of these payday cash advance loans.  In reality, it is only necessary that you are United States citizen, at least 18 years of age, are regularly employed and have a checking account without any marks against it.  These marks would include such things as negative balances, bounced checks and other negative actions that were taken against the account.  Most payday cash advance companies will also not work with you if you already have a negative balance in your checking account.

There are some payday loan companies that will make you fax the information to them in order to verify some of the qualifications, such as your employment and your checking account information.  A much more convenient way to do it is if you use an Internet company that is known as a faxless payday loan, as you can skip this part of it, all together.  You would still need to provide them with information about your employment, along with the routing and account number of your checking account but they will not necessarily verify all of it as if you had faxed them the information.

Once you qualify for the loan, and you will typically be able to figure this out immediately upon filling out the information, there is a short waiting period until you get the cash.  Fortunately, most of the fast cash loans that are on the Internet are going to be able to get the money to you within 24 hours.  They will either wire the money to you via Western Union or they will deposit the money directly into your checking account.

A payday advance loan is one of the more convenient ways of helping you to get by until your next paycheck, especially if unexpected expenses have come your way.  It is important for you to make sure that you look at the terms of these different loans, as they may vary from company to company.  For the most part, they will be similar as these companies are regulated by the states in which you reside.  This can help you to sign with confidence, and provided you stick with the terms of the loan, you can pay them back without too much in the way of additional loan fees.

This site does not make any credit decisions. It is designed to help you find the right company to go through. This site does not represent any single company. The application process may be different from one company to another.  In no way are you guaranteed to be approved for any funds from this site.  You will need to contact the lender to determine what is needed for the application process.