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How much cash do you need?

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FAQ

What are cash advance payday loans?
Payday loans are a fast, secure, and easy way to borrow cash you need for bills and emergencies between paychecks. If you’re broke between paydays and still have bills to pay, an advance payday cash loan can help you pay your financial obligations on time, avoiding late fees or bank overdraft charges that can carry high interest rates.

Payday loans have several benefits, including convenience, security, and peace of mind. Get the cash you need fast with a 1-hour cash advance from an online lender. Funds are deposited directly into your bank account the same day you need them with 1-hour approval payday loans. You can apply for the fast cash you need from the comfort and privacy of your own home with online payday loan lenders. Your application is 100% secure, protecting your sensitive personal information. And borrowing cash in advance of your next paycheck provides the peace of mind you need knowing your bills can get paid on time and financial emergencies can be covered without having to wait two weeks.

How do I qualify for a payday loan?
Qualifying for a payday loan is easy! If you meet the basic criteria:

You are a US citizen
You are at least 18 years old
You have a 3-month history at your current job or can provide proof of other income (Social Security, retirement accounts, or unemployment benefits for example)
You own a checking or savings account in good standing with direct deposit
You earn an income of at least $800 a month

…you can qualify for instant approval from your online lender!

How much cash can I borrow?
The answer depends on both your lender and your state’s payday loan laws. Typically, your lender determines your loan amount based on your monthly salary and how much you can reasonably be expected to pay back on time. The maximum payday loan available is usually $1,500.

How long will I have to wait for approval?
Payday loans are fast and convenient, which means you won’t have to wait long at all to know when you’re approved for the cash amount you need. A lender will review your application immediately after you submit it online, and will contact you within 24 hours with your approval status. Many lenders offer 1-hour cash advances, completing the approval and cash transfer process the same day. Paying off all previous payday loans and cash advances increases your chance of fast, same-day approval from your lender.

How do I receive my cash?
You will receive a confirmation email as soon as your lender approves your loan. Your lender automatically deposits your money into the bank account specified on your application via electronic transfer within one hour of approval. Your cash is now available for withdrawal!

Do I need collateral?
Payday loans never require collateral. Your lender determines approval based on your salary history and expected future paychecks for payment security. Collateral is not needed and your credit history is never examined.

What are my payment options? How do I pay my loan back?
Your payday loan is good for two weeks to 30 days, depending on your pay schedule. If you are paid bi-weekly, you can borrow a payday cash advance for up to 14 days; if your employer pays you monthly, you can borrow cash up to $1,500 for 30 days. Your loan payment is due in full at the end of the 14- or 30-day lending period on your next payday. If you can’t afford your payment, you may discuss other payment plans with your online lender. Alternate payment options include renewing your loan for another term (called “rolling over”) or paying in several smaller installments on each payday. Always discuss payment terms with your lender and make sure you fully understand all of your responsibilities before you borrow.

How many times can I take out a payday loan?
This depends on your lender and state laws. Many states have payday loan laws in place that limit the number of loans an individual can have active in a single calendar year. Some lenders won’t lend to the same customer more than 4 times a year to reduce the risk of abusive borrowing practices. Carefully consider your financial situation and try to limit your borrowing to emergency situations. Relying on payday loans as an additional source of income or for financial stability will likely create a lot of unnecessary debt troubles. Treat payday loans as carefully and responsibly as you would any other consumer credit tool.

I’ve been turned down for bank loans in the past because of bad credit. Will my credit score affect my payday loan approval?
Online payday lenders will never examine your credit score. Even if other lenders have turned you down, you can still qualify for instant payday loan approval as long as you earn enough to pay back your loan on time. Approval is based on your past and future income, not your credit score, so whether you have bad credit, good credit, or no credit at all a lender will still approve your cash loan.

How do I know that your site is secure and my information is safe?
We work hard to guarantee the highest protection for your personal information. Our online application is secured with 128-bit SSL encryption to ensure the highest data protection for all information entered on and sent from our site. Your personal information is 100% secure and we will never share your information with any parties besides your lender.

Does submitting an application obligate me to take out a loan?
Absolutely not! You are free to change your mind at any time during the approval process before your cash is deposited, and submitting an application merely indicates your payday loan interest. When you submit an application, a lender will contact you to verify your information and discuss your cash loan options. If you decide you do not want the loan, simply tell your lender to withdraw your application.

Do you charge an application fee?
No. Submitting an application on our site is completely free.

Why does your application request personal information?
We ask for certain information both for your own protection and to tell your lender where to deposit your cash. We need your Social Security number to verify your identity and employment and to make sure that the person applying for the loan really is you. We ask for your bank account number to make sure your money goes to the right place. Our application is 100% secure and encrypted to protect your private information, and we never share your info with anyone besides your lender.

Privacy Protection

We place high value on our customers' peace of mind. You need assurance that your information is protected and secure. That's why our site is designed with 128-SSL fully secured encryption to protect your most personal data so you can relax when applying for the cash you need. We guarantee protection as we take privacy seriously.

Cash Loans Wired in as fast as 1 Hour

MyPaydayCashLoan wires cash to your account in as fast as 1-hour to guarantee the fast cash you need when you need it, with no waiting around between paychecks. MyPaydayCashLoan lets you advance up to $1000 of your next paycheck in as fast as 1 hour!

Applicants who qualify get instant approval with no credit check and no questions asked - just fast cash direct deposited into an open checking or savings account. It doesn't matter if you're broke and need to pay the bills on time or have a different cash emergency; you'll get the cash you need the same day you need it from MyPaydayCashLoan!

Holiday Payday Loans

There’s a million good reasons to use an instant cash advance. Certain factors, such as their speed and convenience, give the process versatility that is unique to payday loans. Essentially, a payday loan can get you up to $1,000 sent directly to your bank account. That money can usually arrive within one hour. Once that.

A Payday Loan: How To Qualify

There are only a few requirements for receiving a payday loan. The reason for the simplified process is so that a payday lender can get you the money you need as quickly as possible. A payday loan can usually be wired to your bank account in one day, sometimes in as little as one hour..

The Truth About Cash Advances

For all the positives that payday loans can bring, there are many detractors who seem to think payday loans can be dangerous. The industry has grown by leaps and bounds within the last few years. This is due in large part to the bad economy, but all this growth has brought with it a lot.