How Our Process Works:




Online Lenders Alliance (OLA):

1) How much can I borrow with a cash advance loan?

As a first-time applicant, you can borrow between $200 and $1000. After you pay off your first cash advance loan, you can borrow up to $1500. With each successful payoff, your renewal amount increases by $100, allowing you to borrow up to $1500 potentially.

2) How soon can I get my payday loan cash?

If your application is approved by 7:30 p.m. EST, you will receive the payday loan funds the following business day. Please verify that you have submitted the correct bank routing number and checking account number. This will enable us to get the payday loan funds to you as quickly as possible. Learn more about how to get rapid cash from direct payday lenders here.

If you need a rapid cash advance online, offers the new ACE Cash Program. You can get your cash on the same business day that you apply!

3) What if I have a poor credit score or have filed for bankruptcy?

If you have a bad credit score, you can still get a loan with However, if you have filed for bankruptcy within the past year or if you have filed multiple times, we will not be able to extend an advance to you.

4) How much does a payday loan cost?

The fee for advancing a payday loan is $30 per every $100 borrowed. For example, if you borrowed $300 the fees would total $90.

5) What is the period the short-term personal loans are designed for?

Payday loans online are intended to be used for rapid cash in the case of a financial emergency. The loan period is most often 14 days long, but may be shorter depending on when your next payday is. Learn more about how to get express cash through our ace cash program here.

6) How long does it take to get approved?

Depending on what time of day you apply and how quickly you complete the application process, you can be approved within minutes. However, keep in mind that we are open from 9:00 a.m. to 12:00 a.m. EST Monday through Friday. Please consider these hours when awaiting a response.

Learn more about how to get same-day cash through our ACE cash advance program online.

7) What happens when my loan is due?

You will be required to submit a payment request online no later than 2:00 p.m. EST on the business day before your due date. Please see the “Payments” section of our FAQ page for more information regarding payment requests.

8) How does getting a payday loan work?

Applicants will begin the process by filling out and digitally signing our online application. Once submitted, we review your application and notify you either by phone or email regarding your status. If your payday loan is approved, you will receive the funds the next business day (as long as you are approved by 7:30 p.m. EST, Monday through Friday). All applicants will receive their status via email. Please pay close attention to all the emails that you receive from us.

9) What is a payday loan?

A payday loan, also known as a deferred deposit loan, is a cash advance extended to you in between paydays, to help you with unexpected expenses. It is designed to be used for emergency financial situations. strives to be the #1 source for our customers’ short-term financial needs. We encourage you to use our services as a short-term solution to a financial emergency, not as a long-term debt solution.

10) Will I be approved for a payday loan?

Most people who meet our basic requirements are approved for a payday loan. Please see our “Requirements” page for more information.

11) When will my cash advance be due?

The due date for a payday loan is determined by your pay date. Payments are normally due every 10 to 14 days, depending on your next payday and regardless of how often you are paid. Even if you are paid once a month, your payments will still be due every two weeks with a payday loan.

12) Does offer same-day cash advances?

Yes, we do offer same-day cash advances. You just need to fill out our online application form and get approved by 11:40 a.m. EST. Once you get approved, you can expect to see the funds in your bank account by 5:00 p.m. your time.

13) How can I get same-day payday loans with direct deposit?

To get direct deposit payday loans, you need to complete our three steps application process and submit your bank accounts information such as account number, bank name, and routing number. If you get approved for a payday loan, the funds will be deposited directly into your bank account.

14) Is a direct lender?

Yes, we are a direct payday lender. walks you through the entire application process with no third-party agencies involved. Find more information on our Payday Loans Direct Lender section.

15) How do online cash advances from work? offers you an entirely online application process. You can either apply from the comfort of your home or office and get the cash you need in your bank account the same day.

16) Are payday loans available in my State?

Find out if payday loans and cash advances are available in your state: States We Service

17) How can I change my due date?

To change your due date, you will need to contact us by phone at 1-888-269-2303 or email us at [email protected].

18) What is a payment request and how does it pertain to my payday loan cash advance?

Every customer is required to submit a payment request online. You must agree to this before you can be approved for a payday loan. All requests must be submitted no later than 2:00 p.m. EST on the business day before your due date. A payment request is an electronically submitted form that notifies us how much you wish to pay when your due date arrives.

19) Why does my new contract have $0.00 for the amounts?

If you submit a payment request to pay your loan in full, then the contract generated will have $0.00 for the amounts. This means that on your next due date your amount due will be $0.00 because you are paying the loan off on the current due date.

20) What is the minimum amount I can pay towards my loan on my due date?

The minimum amount is simply the fees associated with your current principal balance. For example, if you have borrowed $300, your amount due is $390. Assuming you submit a payment request on time, the minimum amount you would be required to pay on your due date would be $90.

21) How many times am I allowed to extend my payday loan advance?

You are allowed to extend your payday loan as many times as necessary; however, keep in mind that a payday loan is a short-term loan that should be paid back quickly.

22) When will my payment hit my bank account?

The request to withdraw your payment from your account will arrive at your bank at midnight EST on the morning of your due date. If you do not have direct deposit, please keep this in mind when scheduling your due date.

23) What are my repayment options?

You have 3 payment options to choose from:

  1. Elect to pay the total amount due.
  2. Elect to pay the minimum amount and extend the loan with a NEW CONTRACT*
  3. Elect to pay more than the minimum amount and extend the loan with a NEW CONTRACT* (payment will initially be applied to the fees and the remainder of the payment will be applied to the principal)

*A NEW CONTRACT means you are entering into a new loan period, which obligates you to pay the finance charge associated with your new principal balance at the end of the next pay period.

24) What happens after I submit a payment request?

The amount you have selected to pay will be deducted from your checking account on your due date and your account will remain in good standing with

25) What happens if I do not make a payment request on time?

If you fail to submit a payment request by the deadline, as a courtesy, we may debit the minimum due only. However, please be aware that this is a courtesy we extend at our discretion. Per the Check Advance Agreement, you are required to submit a payment request before each due date to ensure that the payment amount you desire will be debited from your account.

26) What happens if there are insufficient funds when my loan payment hits my account?

If your payment is returned due to NSF (or Account Frozen or Account Closed), our collections department will contact you to arrange a second attempt to debit the amount. A return item fee of $25 and a late fee of $50 will also be collected with the following debit.

27) Do I need access to a fax machine and printer to complete the loan process?

We do suggest that you print a copy of the Check Advance Agreement for your records; however, there is usually no faxing required to get approved.

28) How do I find out the status of my payday loan application?

All applicants will receive their status via email. In some cases, if more information is needed, we will contact you by phone to request the materials. Please pay close attention to all emails that we send you.

29) If I pay my loan in full, how long must I wait until I can apply for a renewal?

If you recently paid off your payday loan, please be aware that there is a waiting period of 5-6 business days before you can apply for a renewal. We must verify that we have successfully received your payment.

30) What is required to receive a renewal?

To get a renewal, simply apply to the renewal section and provide us with your electronic signature. The process is quick and easy.

31) Who do I need to contact to report a fraud complaint?

If you have an issue with a fraudulent lender and require further assistance, please call the OLA Consumer Hotline at 1-866-299-7585, and they will assist you in reporting fraud.