Responsible Lending

A payday loan is a short-term cash advance that is often used to cover unexpected expenses that arise before the next payday. These loans amounts, range from $100 up to $1,500 and are normally due on the next payday or within two weeks after the loan has been funded.

Borrowers are encouraged to make their own decisions with regards to applying for and receiving a payday loan. Every effort is made to ensure that the lenders in our network receiving and processing applications, are fully licensed and authorized to fund payday loans within the guidelines of the U.S. law.

Our commitment to achieving high standards for this service to ensure that this website is in complaint with the Community Financial Services Association of America (CFSA) or similar standards.

Here are some tips to think about when applying for and taking out a payday loan. We don’t suggest that these tips be taken as advice as it is solely up to the borrower to make further inquires with a professional credit counseling service or any other organization authorized to advise on this matter.

Managing Debt & Financial Responsibility

It is important that you take control of your bills and personal debt. Try to keep track of your monthly obligations such as rent, car loans, credit cards and or other bills. If you have outstanding debt that you are unable to settle, it’s important that you contact your creditors and attempt to negotiate some sort of payment.

You must take charge of the situation in order to get out of debt. For your financial security, everything is done to ensure that your private information is secured and protected on this website. Some good tips are keeping your Web browser updated, be sure to use an antivirus and firewall protection for your computer.It is also a good idea to review your credit score annually with transunion, experian, transunion and equifax.

Information to Consider:

  • Never borrow more than one loan at a time
  • You could try borrowing from family or friends first
  • For outstanding bills, try to negotiate a deal with the company prior to applying for a loan
  • Be sure that you understand the costs associated with borrowing and that you fully understand the terms of the loan agreement
  • It is advisable to be as honest as possible on your loan application, so that you will only borrow the amount you can afford to repay on the due date
  • Reputable payday lenders do not lend to applicants which they believe would have difficulty repaying the loan
  • Even though a loan can be rolled over, try to repay the loan as soon as possible in order to avoid additional fees or charges
  • Check the lending agreement for the amount and date you are expected to repay the loan prior to accepting and signing it

Lending Requirements to Qualify for a Loan:

  • You must receive a regular paycheck or income
  • You must be at least 18 years of age
  • Must earn at least $1,000 per month
  • Have an active checking account
  • You are a permanent resident or citizen of the United States
  • All personal information can be verified
  • You must intend to repay the loan