FAQ

FREQUENTLY ASKED QUESTIONS

What are cash advance Loans?
A cash advance loan, or payday loan, or payday advance, are all the same, A short-term loan providing temporary relief when you need. At paydayloanstodayonline.com we go a step further and provide the convenience of getting in online, right from your computer. To avoid the hassle of bounced checks or just not having the money you need in an emergency, try our online cash advance service.

Can I use the cash advance for any purpose?
Absolutely! When you obtain a cash advance from paydayloanstodayonline.com lender’s you are authorized to use the funds for absolutely any reason. Whether you need to pay for groceries, or auto repairs, or just a night out on the town, it’s your money, use it anyway you see fit.

How much cash can I get?
Loans are based on the information you provided on your application. The amount can be increased or lowered by the successful completion of your loans, and generaly run from
$100 to $1500.

What are the qualifications?
Well there is no credit check at paydayloanstodayonline.com so gettting your payday loan is just this easy! You need to :
• Currently be employed (or receive regular income)
• Must be 18 years of age or older
• Have a checking or savings account with direct deposit.

How does one apply online?
The process is very simple, go to the “Apply Now” page and simply fill out the application completely, then hit the submit button. The approval process staert immediately and a loan representative will contact you via email or phone to finalize the process (make sure all the information is correct).

Can you tell me what information I will need?
Yes. Your application MUST have the following information provided:
name, address, employment or income verification, your banking details, and sometimes even a picture identification.

Is my information secure?
Yes. We are very secure and we treat your personal information with 100% security at all times. We respect your privacy and follow all guidelines to ensure your application and all data therein is secure.

Do you charge a fee for the application?
NO, paydayloanstodayonline.com does not charge the consumer a fee for the application.

If I fill out an application and change my mind, can I?
Absolutely, you are not obligated to take any loans. At any point in the transaction process you can back out prior to funding.

Is my credit checked?
No, we do not verify or run credit reports at all. Payday loans at paydayloanstodayonline.com are based on several criteria, credit is not one of them.

Do I have to be a home owner?
NO, we only require that you have a legal residence, whether you are a renter, or a home owner, it does not effect your qualifying for a cash advance.

Is there faxing involved?
NO. All information is collected online.

Can I get more than one loan?
Yes, just not more than one at a time. Prior to getting a second loan, the first one must be completed, paid as agreed.

Do you contact my employers?
NO. We collect all dara online, this speeds up the process and ensure that you receive the funds as quickly as possible. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Is direct deposit required?
YES. All lenders require you to have direct deposit setup on your bank account must to qualify for a cash advance. It is how we offer loans as quickly as we do.

How long does it take to receive my cash advance?
Typically processing is 100% completed within 30 minutes, at that time you are contacted and the funds are deposited into your bank account. Funds are usally available the next business day.

When do I know if I was approved?
Once approved, you will receive and email and or a phone call from the lending center. paydayloanstodayonline.com reserves the right to make adjustments to your loan approval up until you receive the funds in your bank account based on new information received regarding your application.

How long until I have to pay the loan back?
Generally, you have 8 to 25 days to completely repay your loan (your next payday).

Can I pay my loan back prior to it’s due date?
Yes. Typically early payback will lower yur total payback amount as well. Contact the lender directly with any questions regarding early pay back and rates.

What happens if I can not pay the whole amount on the due date?
Typically, the lender with extend your time and just charge the interest due for the period of time you are late. Loan extension are done by the lender, contact your lender direct.

Typical payment options are as follows:

A) Pay the loan back in it’s entirety on the agreed upon due date.
B) Pay the finance fee and a portion of the prinicpal on the due date and carry over the remainder for another cycle.
C) Pay only the finance charge on the agreed upon due date and the lender carries the loan over for another cycle.