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Payday Loan
Frequently Asked Questions

What is a Payday Loan or Cash Advance?

Payday loans are very short-term personal loans collateralized against your next paycheck(s). For many of our visitors it's the easiest way to emergency cash between paydays. Online payday loans from Payday Loan Center's lenders are electronically deposited into your checking or savings account as soon as possible.

How do I qualify for a payday loan?

To qualify for a Payday Loan Center payday loan you only need to meet the following requirements:

1. Be currently employed or receive a regularly recurring income.
2. Take home pay of at least $1000 per month if employed, or $800 per month on a fixed income.
3. A checking account with direct deposit.

Lenders will make a loan decision after you provide additional information about your employment situation by using the form to the right.

Anything else?


How soon do I receive the money?
Visitors tend to recieve a loan once approved the next possible business day.


What about collateral?
Your job and your paycheck are the only collateral you need.

Do I need direct deposit?
Yes. Our lenders can only process your payday loan if your paycheck is direct deposited.


Is my financial information secure?
Payday Loan Center uses state of the art security measures to ensure the safety of your confidential financial information. All sensitive information transmitted between your browser and our lenders uses 128 bit Secure Socket Layer (SSL) encryption technology.

How often can I get a payday loan?
Payday Loan Center is here to help when you have short term cash needs between paychecks. We encourage all our visitors to keep in mind that a www.personalcashadvance.com/ payday loan is only short-term answer to an urgent cash need, and to use these loans responsibly. Payday loans should not be used repeatedly to deal with continuing budgeting issues. If you need additional help with credit, budgeting or debt management, please call the National Foundation for Credit Counseling at 1-800-388-2227.

How is my loan amount determined?
Your actual loan amount is determined by various factors including state law, income, length of employment, and other outstanding loans. Additionally, your lender will use their own internal mechanisms to determine how much you are eligible to borrow. Please see your designated loan representative if you have questions about loan amounts.

When is the loan amount due?
Payday loans are usually due when you receive your next paycheck via direct deposit. The standard time for loan repayment is usually no less than seven days and no longer than eighteen days. Different lenders may have a variety of repayment schedules / options available. Please speak to your loan representative for more information about this topic.

Apply For A Payday Loan Today!
I have a regular
source of income.
I receive at least
$1000/month.
I have a
bank account.