Questions

What Are Payday Loans Online?

Online payday loans are basically unsecured small-dollar cash advances provided by the direct lenders operating on the Internet. The loan term is typically short and in most cases the money borrowed in a form of payday loans must be repaid on the individual's next paycheck. These short-term loans are meant for urgent situations requiring some extra cash.
PaydayLoans@ is a reputable representative of payday lending industry. Applying for instant payday loans through our website you will get the money you need with no faxing or credit check*. Once your application is approved, the funds are electronically deposited to your bank account within 24 hours.


How to Apply?


If you faced the urgent money need and decided to apply for no fax payday loans on PaydayLoansAt.com, fill in the application form presented on the top of the website page. After you have provided all the required data check whether all the details are accurate and submit the form. The online lenders participating in the network of our company review consumer requests in real time, thus, the applications are typically approved quickly. The notice related to the credit decision will be sent to you in a form of e-mail and the money will be electronically transferred to your bank account by means of direct deposit.
How Much Money Can I Borrow? And What Are the Interest Rates?
Generally, you can borrow up to $1,000 through payday loans online. However, keep in mind that the amount of money available for borrowing depends on the terms of the direct lender dealing with your application and varies according to the state laws. The information related to the interest rates and other charges can be found in the section Rates & Fees.


What Are the Basic Requirements?


The qualification criteria provided by the direct lenders we cooperate with are very simple, thus, most of applicants get approved with ease. Well, you need to meet the following requirements:
  • legal US citizenship
  • age of 18 years
  • regular employment
  • steady income (at least $1,000 a month)
  • valid bank account.
Is There Any Application Fee?
No. The matching service performed by PaydayLoans@ is absolutely free of charge meaning that you don't need to pay for submitting the application on our website.
Can I Get Payday Loans with Bad Credit?
Most of lenders cooperating with our company don't run credit checks meaning that bad credit score won't become an obstacle for you to get the necessary amount of cash.
Do I Need to Fax Personal Documents?
In most cases, faxing is not required, however, the direct payday loan lender you are matched with can ask you to send some papers if there are some troubles with verifying your personal details performed within the application.
Is It Safe to Apply Online?The personal, financial and employment data provided by the applicants is encrypted through specific Secure Socket Layer (SSL) protocol – the system used by lenders and banks all over the world. Therefore, you shouldn't worry about the privacy of your information. It will be kept private for sure.
What If I'm Late with Repaying Payday Loan?
First of all, if you feel that you won't be able to pay back the borrowed funds on time, you are better to contact the lender directly to negotiate about new repayment plan. It can work to your benefit. Still, if you are already late with your payment or can repay the payday loan only partially, you are more than likely to be charged additional fees. The lenders cooperating with our company abide legislation referred to the short-term lending services. Therefore, the rules and policies related to the late or partial payments may vary depending on the state the applicant lives in. It is advisable for every customer to read the loan documents thoroughly in order to learn the terms in details and keep in mind that your signature means that you agree to the terms performed by the direct lender.
What Will Happen in Case of Failure to Repay Payday Loan?
Failure to pay back the payday loans will in any case cause notice to the consumer credit reporting agency and legal action. Besides, payday lenders participating in the network of PaydayLoans@ are dedicated to pursuing the collection of past due accounts with fair and reasonable conduct.
What Does Renewal Policy Mean?
Policies referred to the loan renewal service are regulated by the state legislature. Besides, they vary depending on the direct lender dealing with your case. Rollovers – repayment term extensions – are not allowed in some states. This means that the late fees and interest rates which can be assessed are likely to add a sufficient sum to the total price of your payday loan. Just be attentive and read the loan agreement carefully to be aware of the loan renewal policies.
How Much Will the Payday Loan Cost?
The total cost of payday loan and the annual percentage rate (APR) depends on the direct lender dealing with your application. You will be sent the loan agreement fully disclosing the fees and terms associated with the option. Signing the contract constitutes your agreement to the performed terms.