Get Started Now:
By submitting your information you agree to Privacy Policy and Terms & Conditions
Why choose us:
  • Get emergency cash to solve your problems FAST
  • All credits welcomed. Low credit may not be a problem
  • Super fast approval. Get decision within minutes
  • $100 - $1000 loans for any reason
  • 256-Bit SSL protected loan request form
How it works:
  • 1
    Submit formit takes a few minutes to fill in the form.
  • 2
    Get decision get loan decision very fast.
  • 3
    Get your cash in just one business day in most cases.

Are Online Payday Loans Safe?

When you're going through financial troubles, you might start to consider getting a loan to help you through. However, not all loans are safe or 100% legitimate, which can leave many people with worries and concerns.

While the safest bet might seem to be getting a loan from your bank, it's not always possible to do this. Not everybody is eligible to get a bank loan, and even those who are often need to wait several days or weeks before the money goes through. Because of this, hundreds of people turn to payday loans every month in order to get some extra help.

In answer to any of your concerns about the safety of payday loans, you can rest assured that our cash advances are completely safe and secure. Apart from being able to get the cash you need and pay it back easily on your next payday, you don't need to worry about your personal details being passed on to third parties. We will keep your information private and secure, and our website is protected so that nobody can access it without your permission.

Why should I get a payday loan?

If you're still a little bit worried about taking out a payday loan, there are many reasons why it could help you. The benefits of payday loans far outweigh any disadvantages which you might believe them to have, and these are the reasons why many people turn to them in times of trouble.

One of the main reasons to get a payday loan is because of a financial emergency. If your car is broken down or you have a leak inside the house, you might need quick cash in order to sort out the problem. However, if you've used all the money from your last pay check and you need to wait a few weeks until your next payday, you could find things getting quite tough. With our quick payday loans, you can get the money that you need within a matter of hours and you won't even need to pay us back until you receive your next pay check.

Other people simply like to have some extra cash floating around, or perhaps a birthday party or other special occasion is coming up. Thankfully, we are always here to help you, no matter what you need the money for. We will never ask you what you are planning to spend the money on, so whether it's for an emergency or just a bit of extra fun, it's entirely up to you what you do with the loan.

How do I know whether I'm eligible for a payday loan?

There are only three things which you need to have in order to apply for a payday loan.

  • Firstly, you must be at least 18 years of age, since loans of any type cannot be borrowed by those who are underage.
  • Secondly, you need to have a bank account. This ensures that there is somewhere for us to deposit the money, as we do not send checks or other forms of payment. Bank transfers are one of the safest methods of payment, and it is much faster than many other methods too.
  • Finally, you need to show us that you have a stable source of income. Without this, you will struggle to pay back the money to us, and we need to know when you will be paid next so that we can set it out in the terms and conditions of your loan contract. You don't need to have a job - you could be in receipt of disability benefits or another form of income.

The great thing about payday loans is that your credit score is not taken into account when you apply. This is good news for people with bad credit who fail to successfully apply for credit cards and other loans.

How can I apply for a payday loan?

Now that you know all the basics about payday loans, you can start thinking about applying for one. Getting started is very easy, and most people find that it takes less than five minutes to fill out our easy application form online.

You will need to give us some personal details, including your name, address, social security number and the amount that you wish to borrow. After we receive this information, we will screen it and get in touch with you as soon as it has been approved. You will be matched with one of our lenders, who will then contact you with the terms and conditions of your contract.

Once you have agreed to the terms, all you need to do is wait until the money is deposited into your bank account. This normally takes place within 24 hours, and in many cases, it happens much quicker.

You are then free to spend the money as you wish and then pay it back on your next payday. It's not recommended that you take out more than one payday loan at a time, as this can become very complicated. However, you are welcome to take out another loan in the following month if you find yourself in need of some extra cash.

If you decide that you don't want to take out the loan after receiving the terms and conditions, simply get in touch to tell us that you've changed your mind. This will not affect any further applications you might make in the future.

Note To Consumer: If you are currently struggling with debt you are advised to obtain expert financial guidance. Taking out a short-term loan will not solve your long term debt problems. Short-term loans are governed by local laws and regulations, which borrowers are encouraged to review before proceeding.

APR Disclosure: The Annual Percentage Rate (APR) is the interest rate charged by the lender, based on the amount loaned, cost and duration of the loan, number of repayments, and timing of repayments. This rate and other terms will be presented to you in a loan agreement prior to signing the contract, as per federal law. The maximum APR that lenders can charge for loans varies from state to state. On average the rate will fall between 200% and 1386% for cash advance loans, and 6.63% to 225% for installment loans. Some states have no regulations regarding APRs and therefore the lender can charge any rate they desire. A lender reserves the right to change their APR at any time, within state regulations.

Material Disclosure: The operator of this website does not provide loans themselves, nor do they act as a broker or agent for any other loan broker or lender. Rather they function as a referral service, advertising loan products from a network of qualified lenders. These lenders commonly offer cash advance loans of amounts between $100 and $1,000, and installment loans of up to $5,000. The amounts offered are subject to change and there is no guarantee that you will be matched with one of these lenders or approved for a loan. Our service and the lenders in our network do not offer or solicit for loans that are illegal under any state laws and regulations. Our service does not constitute a solicitation for any particular loan and we are not offering to lend to you ourselves. Our service is entirely free and we do not endorse any particular loan product or service. Lenders may compensate us for advertising their loan products only. This service and offer is void where prohibited. As an advertising and referral service, we are not responsible for the actions, terms and policies of the lenders in the network and have no control over their assessment of applications and loan terms offered. We do not have any access or control over your loan's interest rates, fees, repayments, non-payment repercussions, or other terms. Therefore you are advised to contact the individual lender if you have any queries regarding your loan. By using our loan request form you agree that your personal information will be shared with one or more lenders from our network. You are under no obligation to use our service, nor complete a loan application or accept a loan from any lender contacted through the service. The time it takes to receive your loan after signing an agreement may vary from lender to lender. The terms of repayment may be subject to local laws and regulations. You may be required to fax documentation as part of the lender application process. To learn more about our service and the loan products offered by lenders in the network, you are advised to read our FAQs. These pages do not constitute legal advice. By using our service you are subject to the site's Terms of Use and Privacy Policy.

Exclusions: Due to state laws and regulations residents of West Virginia, Arkansas, Vermont and New York are not permitted to use our service or website. Furthermore not all short-term and small-dollar loans are legally available in all states. We reserve the right to change the states serviced by this website without notice.

Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been matched with them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.