How does getting instant payday loan affect my credit score?

The application for an instant payday loan does not affect your credit score any way. However if you pay back the loan successfully or prepay the loan, then it will positively affect your credit score. Many of our returning customers have improved their credit scores by constant using of our easy cash advance online service. Do not worry, we approve bad credit applications.

What conditions should I meet to be approved for a loan?

To apply for a payday loan you just need to know your social security number. To get approved for a loan you need to meet the next conditions:

  • you need to have a valid bank account
  • you need to be a US citizen
  • you need to be at least 18 years old
  • you need to have a job and regular earning

These are essential conditions of getting approved for American cash advance loans.

Is this loan a perfect solution for me?

Instant payday loans are perfect for those clients who need money till the next payday. We lend money instantly and for a short term. You can prolong your loan if you fail to meet the end date of the loan. However if you plan to use a loan for a longer period of time we recommend you to apply for another type of a loan featuring lower annual percentage rate. Instant payday loans are not recommended for people looking for a solution to pay off past due loans.

Can I have more than one loan at a time?

In general, it is possible for a person to apply for several loans at a time. However this possibility depends on the average monthly earning of an applicant and on the amount of loan including interest rates a person has already to pay back by the next payday. If you already have a payday loan lent by our service, you can apply again and find out whether it is possible to get another loan at once.

How much can I borrow?

The sum of a loan depends on the credit score of an applicant as well as on monthly income. We offer you a simple online calculator to check the amount of loan you can reckon upon and the end sum you will need to pay back considering all interest rates.

How will I have to repay my loan?

We have created our service with great comfort of our borrowers in mind. That is why we consider it being of ultimate importance to offer you the easiest and the most convenient ways to repay the loan.

Our service operates automatically. A required sum of money will be withdrawn from your bank account to which the loan has been deposited on a due date automatically. So you do not need to worry about forgetting a due date of loan payback. The automatic withdrawal will be successful if you bank account possesses a sufficient sum of deposit to cover the payback sum and the transfer fee (if charged by your bank).

What if I cannot meet the end date of my loan?

If you know in advance that you will not meet the end date of the loan, you should not worry. Please, contact our customer support and inform on the date when you will be able to pay back the loan. Our managers will adjust the end date so you will not be late with the payment and this will not damage your credit score. If you will not contact our customer support to do proper adjustment of the end date, this may damage your credit score. This will make it impossible to get another loan in the future from any financial institution of the US.

What are the fees of getting an instant loan online?

We do not charge any fees to lend you money. You will get a required sum of money deposited to your account after approval. We have created the most transparent terms of getting a loan. That is why we do not charge any hidden fees no matter how embarrassing our due APR may sound for you.

When will I be able to get the next loan?

If you successfully pay back a loan you can apply for the next one at once.

What are the terms for bad credit applicants?

We offer similar terms of loans for all our customers. If you have bad credit history, you will get the same terms and the same interest rates as other customers. Your bad credit will not affect the sum of money you can borrow from our fast and easy cash advance as well as the credit period you can use money.