General Questions

You can borrow from $100 up to $5,000 depending on income. The type of loan depends on the amount that you can borrow for less than $1,000 is payday loan more than that is installment loan.
Yes, you can, and in certain instances, you can even look forward to a refund of partial or complete loan fees. Some lenders will charge you prepayment fees, so keep this in mind when you’re signing a contract and looking to pay early.
In most states, the minimum age for borrowers is 18. You should be a permanent resident or citizen of the US, have a regular source of income and have a valid checking account.
when submitting your application online and get approved, you can expect your funds to be transferred into your checking account as soon as the next business day.
You can apply for any of the lenders on this page by clicking the “Get Started Today” button. If you don’t see this button, you can apply from this link.
Generally, no. Most online lenders have systems that allow for you to submit all of your information electronically and even sign your contract online. If you don’t want to visit a storefront to pick up your cash, you can choose for the amount to be deposited into your checking account.
Sometimes life throws you a curve ball, and you may not have the cash to deal with it. If this sounds like you, consider applying for an emergency payday loan. But understand the terms and conditions of your loan before signing any contracts.
Online lenders can approve loans on weekends. However, you can only receive approved funds from a lender as soon as the next business day.
This varies depending on the loan you apply with. Most lenders will email you once your application has been processed letting you know whether your loan was approved or denied.
When you apply for a loan online up to $5,000, your details are securely transmitted over an encrypted connection. The majority of sites you apply with use 128-bit or 256-bit SSL encryption to ensure your details are safe and secure.

About Credit & Employment

Most payday lenders won’t check your score, but some will. Generally low credit scores are accepted either way as long as you can prove that you are able to repay your loan. Confirm the eligibility requirements and application terms before you apply.
Yes, you can expect your lender to call your employer for a formal employment verification.
When you apply for a cash advance online, your lender will transfer the approved funds into this account. On the due date, the lender will then request funds from the same account.
Payday lenders generally do not report to the three main credit reporting bureaus — Equifax, Experian and TransUnion, so taking out one of these loans is unlikely to positively or negatively affect your credit score unless you have trouble with your repayments. Keeping that in mind, sometimes payday lenders send your repayment information to smaller credit reporting agencies, so that information can still be accessed by mainstream banks and lenders.
You’ll have to provide personal details, employment details, and your bank account details.
When an institution lends you money, they want to be certain that you can repay back the debt within the allocated timeframe. If you are unemployed, your income may be limited unless you are receiving benefits. If the majority of your income comes from welfare payments you may be still eligible for a personal loan – but be sure to check with the lender.
Fees vary by lender and depend on factors such as the amount you borrow and your pay back duration. There are additional fees for late payments and if you default. It’s important to make sure you can pay the loan back on time.
A lender can’t guarantee approval because a credit decision depends on several factors such as your income, employment history and more. You might find that certain loans have minimal eligibility criteria and are easy to qualify for — making them almost guaranteed. But watch out for scammers that market loans as 100% guaranteed.
While not all lenders report to the big three credit agencies that handle credit, some might choose to report late or missing payments. This is at the discretion of the lender.

About Payments

How you repay your loan depends on the lender you apply with. For online payday loans, you need to provide an ACH authorization for the lender to take the repayment amount from your checking account on the due date. If the lender also has a physical loan office, you may be able to write a personal check to make your repayments.

Make sure you understand your repayment terms before signing the contract. Some lenders may only set up renewal or roll over fees on the day your loan is due, meaning you can extend your loan term instead of paying it off at that time. In some cases, you may get three months or more to repay your short-term loan.

This depends on the repayment terms set by the lender, but the loan amount will generally be due on your next payday. Typical loan terms are between two weeks and one month. If you need a longer time to pay off your loan, it might be worth considering a bad credit installment loan instead of a payday loan.
You first should speak to your lender to ask if they offer any form of payment plans or extended repayment terms. Check the regulations imposed in your state to see if this is a requirement. If your lender places undue pressure on you to take out subsequent loans to cover the first, submit a formal complaint against them.
Yes, upon nonpayment, your lender can initiate collection, which in turn would have an adverse effect on your credit score.
You’ll sign an ACH authorization to give the payday lender permission to withdraw the repayment amount from your checking or savings account. Unless the lender allows you make repayments by check, you will need to sign this authorization. Before you sign the authorization, make sure you know how much will be debited and on what dates, whether this amount will repay your loan or simply renew it, and also how to revoke the authorization (federal law requires lenders to state this).

It’s not uncommon to have trouble paying off a payday loan. But sometimes it’s unclear what your lender can and can’t do to get the money you owe. If you default, your payday lender will likely turn your debt over to a collection agency.

Debt collectors sometimes take extreme measures to get their money, some even going as far as (illegally) threatening you with jail time. While you can’t face criminal charges for defaulting on a cash advance, your lender can sue you for assets to cover what you owe.

Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited,or in a location where Usacashpayday.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Usacashpayday.com is not a lender and does not make loan or credit decisions. Usacashpayday.com connects interested persons with a lender from its network of approved lenders. Usacashpayday.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Usacashpayday.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Usacashpayday.com’s service is always free to you.

By submitting your information via this website, you are authorizing Usacashpayday.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Usacashpayday.com to share your information and credit history with a network of approved lenders and lending partners.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. Usacashpayday.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

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