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Online Payday Loans

Nowadays, more and more services become available online. The Internet has developed so much that it is now unthinkable for many entrepreneurs not to offer their services online. Majority of young people as well as middle-age people look for services on the Internet rather than in a phone book or a newspaper. This is why also loan industry has appeared on the web. Online loans have become as much popular as regular loans due to the easiness it takes to receive them. There is a variety of loan packages available online, pay loans online just to name one of them. Payday loans online are short-term emergency loans tailored to settle temporary financial problems or some sort of unexpected expenses between the paydays. Payday loans are rather small oans that usually amount up to $1500. Generally, the amount of a loan should be proportional to the borrower’s income and the borrower’s capacity to pay the loan back, which is one of the criteria a lender takes into account while processing loan applications.

How can I apply for a payday loan online?

Payday loans online are very quick and easy to apply for. All the borrower needs to do is to fill out a simple three-minute application form. No paperwork considerably shortens loan processing, to borrowers’ satisfaction. After loan online application form has been submitted, a short and simple loan processing starts.

How fast will I be approved for an online payday loan?

As it has already been stated, loan processing is short and simple. It is designed for fast approval. Bad credit or poor credit isn’t an obstacle. Majority of payday lenders don’t verify the borrower’s credit history, thus it’s highly probable to obtain payday loan online with bad credit score. Poor credit isn’t a decisive factor. The lender approves online pay loan based on one’s amount of income and hence one’s capability to repay the loan. It takes from few minutes to few hours to get a loan approved. Once the loan receives approval status, a loan agreement is signed and the money can be safely transferred into the borrower’s bank account.
Online payday lenders understand that their customers are in an urgent need for money. This is why they have tailored loan processing in a way that is conducive to fast pay loans online approval, with minimum of requirements involved. A few minute or a few hour loan processing allows for a fast money transfer. Majority of lenders guarantee money same day. Some lenders guarantee money in one hour.

When it comes to repayment of online pay loans, the date when the loan is due is specified in loan agreement. Due to the fact that online pay loans are rather short-term emergency loans, the repayment period is considerably short. Usually, it takes from two to four weeks but it can be extended. It must be remembered that no loan payments or late loan payments are connected with additional fees being added to the overall cost of one’s loan. It is also important that one borrows only as much money as he/she will be able to repay. It will prevent one from a vicious circle of debt.

Who is eligible for online payday loans?

Basically anyone is eligible for an online payday loan. There are as little as three minimum requirements that must be met by all people who apply for a pay loan online. The requirements include a legal age, which is eighteen plus, a bank account (savings or checking), as well as a steady income. The source of income can be: wages, pension, benefits, etc. When one doesn’t have a bank account, one needs to find a lender who renders financial services to people without a bank account.

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Disclosure: Our lenders may offer you a loan with an APR ranging from 390% to 780% based on a two-week loan.
The APR on a short term loan represents the amount of your loan, cost of the loan and term of the loan. Example: You borrow $100 for two weeks. A lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.


If you do not pay your loan according to its terms, your lender may: • Charge you late fees • Send your account to a collection agency • Report your information to a consumer reporting agency, which may negatively affect your credit score • Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest

We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.