How It Works
GetPaydayLoansOnline.NET provides an online application so you can conveniently apply from your home or work computer without having to wait in line or fax over documents that might compromise your personal information.

It is important to provide accurate information within the required fields to ensure your GetPaydayLoansOnline.NET loan processes as quickly as possible. GetPaydayLoansOnline.NET does not require a credit check to determine loan eligibility. The entire loan process may be done within the privacy and convenience of your home, so your business stays your business.

Simply complete our no-obligation loan application and we will take care of the rest. Based on the information in your application and requested loan amount, we will match you with an appropriate lender. Once approved, you will be presented with a pre-qualified loan offer. In most cases, faxing over documents is not necessary. However, if we are unable to verify any part of your application, we may ask you to fax information to your payday loan lender.

Once you've been approved and matched with a lender, carefully review your loan amount, as well as the terms of the loan agreement and rates. If you are satisfied with the terms presented to you, you may accept by providing an e-signature on the agreement. There is no obligation to accept the loan offer, and you may quit the process at any time.

Upon approval of your application and agreement, your cash is deposited into your bank account by the participating lender. Depending on when your application was submitted, the deposit will either occur the same day or be made the following business day.

In order to be approved for a payday loan, you must only meet the following criteria:
  • Be 18 years of age or older
  • Be a US Citizen (UK Citizen for UK Payday Loans)
  • Have a valid checking or savings account with direct deposit
  • Be currently employed or receive regular income
  • Make at least $1,000 per month
Please remember that you will have to repay your loan upon your next pay period which is typically 14 to 31 days from when you submit your application. When repayment is due, your loan amount is automatically deducted from your bank account by the lender. Responsible use of your payday loan to cover necessary or emergency expenses is usually the best policy.

Frequently Asked Questions

What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At GetPaydayLoansOnline.NET, apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.

How much can I receive?
Your first GetPaydayLoansOnline.NET loan is based upon the information you provide in your application. You may borrow up to $1500 and after a successful repayment of your loan, we may raise the amount on any future GetPaydayLoansOnline.NET loans.

How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender, fees can range from $25 to $30 per $100 borrowed. For example, if you borrow $300 then the fee will be between $75 and $90.

How do I qualify for a payday loan?
GetPaydayLoansOnline.NET does not perform credit checks, which makes qualifying for a payday advance easier than for traditional credit. You should meet all of the following requirements:
  • Currently employed (or receive regular income)
  • Make at least $1000/month
  • Be 18 years of age or older and a U.S. citizen
  • Have a checking or savings account with direct deposit.
What is the procedure to apply for a payday loan online?
To apply for a payday loan, complete and submit the application found on our website. At that point, the approval process will immediately get under way and an agent will notify you of your status.

What information do I need to complete the application?
We need your name, address, employment information, banking details, and picture identification in order to complete your payday loan request.

Is my personal and financial information secure?
We respect our customer's right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?
GetPaydayLoansOnline.NET never charges applicants a fee to qualify for a payday loan.

Does submitting an application obligate me to take out a loan?
No; submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?
As we do not perform credit checks, bad credit will not prevent you from receiving a payday loan at GetPaydayLoansOnline.NET. Our friendly managers will work with you, even if you have been turned down by other lenders.

Does being a tenant influence my eligibility?
Whether you rent or own your home, it does not affect your eligibility for a payday loan.

Do I need to fax my information?
There is no need to fax any personal details. The lending company will instantly get all necessary information online.

Can I have more than one payday loan at a time?
No, all other payday loans must be repaid before another may be granted.

Do you contact current or former employers?
No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?
Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.

When will I receive my payday loan?
Your application will be processed within 30 minutes upon being received. Once approved, you may collect your loan the next business day. At that time, we will help schedule a repayment date so you will not have to worry about bouncing a check or missing a deadline.

How will I know that my loan has been approved?
You will receive an email notification once your loan has been approved. GetPaydayLoansOnline.NET reserves the right to make adjustments to your loan approval up until you receive the funds in your bank account based on new information received regarding your application.

When will my loan be due?
Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next payday (between 8 and 25 days away).

What if I want to pay back my loan early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.

What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension. The following payment options are available:
1. Pay the loan in full on the maturity date listed per your loan agreement.
2. Pay the finance fee and a portion of the principle on or before the maturity date.
3. Pay only the finance fee on the maturity date.

How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. We encourage all of our clients to use these loans responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.
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