About Payday Loans, Cash Advances, Payday Advances, and online payday loans

They are all different names for a short term loan of between $50 and $1500 that you pay back on your next payday.

You fill out a simple application, get approved, sign some forms, and see the money deposited into your checking account. On your next payday, your account is debited for the amount you owe.

You need to be employed and have an active checking account.

It does not matter if you have bad credit or no credit at all. Payday loans are designed to help people in need of emergency credit, so lenders understand that you may have had credit troubles in the past.

No, the 3 major, traditional credit bureaus are not used in the application process.

You may still qualify if you have filed bankruptcy in the past, although the bankruptcy usually must be discharged.

No, you simply authorized the lender to deposit and deduct funds from your checking account using the Automated Clearing House or ACH process. This is the same process most employers used to direct deposit your paycheck on your payday.

In some cases, you could get your cash as soon as the same day. Most of the time the cash is in your account by the next day if you apply during business hours.

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