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Payday Loans Explained

Payday loans are what we do. They can be especially useful to those with less-than-perfect credit because there is no credit check involved. Banks and credit card companies might turn you away if you have sub-prime credit, but almost anyone can get a payday loan.

The Advantage to Paperless Payday Loans

Paperless payday loans offer all of the advantages of the regular payday loan and so much more. With paperless payday loans, you fill out an application online on a secured website that will ask for information like your social security number, your employment information, and your bank account numbers. Sometimes this is enough information to process the loan and get you the cash. Otherwise, you simply fax in documentation to prove the information on your application. The money you need will then be deposited directly into your account overnight, without having to wait for any checks to clear.

How Paperless Payday Loans Work

Here are the basic steps to getting a paperless payday loan:

  1. Read and fill out an online application form, like the one provided for you here on the "Apply Now" page. Be sure to answer each question completely and accurately to make the process as quick as possible.
  2. Once you complete the application, a loan representative will then contact you to review your application and complete the process. In some cases, you will fax information to the company to support the details of your application.
  3. After you have been approved, your paperless payday loan is deposited into your account overnight.
  4. On your due date (or payday), the amount of the loan plus the loan fee will automatically be deducted from your account.

Common requirements for Paperless Payday Loans

Qualifying for a payday loan is easy, and there are no credit checks involved. You just need to meet the following minimum requirements:

  • Currently employed (or receive regular income)
  • At least $1000 per month in income
  • At least 18 years old
  • U.S. citizen
  • Have a checking or savings account
  • Other requirements may apply in certain situations

If you have a history of bounced checks, bankruptcies, and/or charge-offs, don't worry. None of these or any other credit problems will disqualify you for paperless payday loans.

Repayment Options

You have three basic options to repay your paperless payday loan:

  • Pay the payday loan in full on the due date listed in your agreement
  • Pay the finance fee and a portion of the principle on or before the maturity date
  • Pay only the finance fee on the maturity date

That's right--you don't have to pay the payday loan off in full on your due date, as long as you pay the required finance fee to roll the loan over. Rolling a payday loan over means you would like some extra time to come up with the money, and you pay a finance fee for this convenience.