HOW IT WORKS

You can apply for a payday loan online within minutes, without having to step out of your home or office! You can apply for a payday loan of $300 – $1500. You will only have to wait for a few minutes while we search our vast network of trustworthy lenders to find a payday loan that’s just right for you. To apply for a payday loan, please fill out our short online application form now.

You will be redirected to your lender’s page as soon as you are approved for a payday loan. On this page, you can review the rates and terms of the payday loan offered byyour lender. If you decide to accept offer, the funds can be deposited directly into your checking account within 2-3 hours.




Fast and easy loan application process

It will only take a few minutes to fill out our brief online form. You will be contacted by the lender, who may ask you to fax more information, like a copy of your pay stub.

The lender will inform you about the exact fee you will have to pay for the payday loan. You can review the rates, fees, and terms and decide about whether you would like to accept the offer.

Cash transferred directly to your checking account

As soon as you are approved, and you accept the terms of the loan, the money can be transferred directly into your checking account. This could be done within hours or within one business day at the most.

Privacy and security

ADVANCE AMERICA ONLINE respects your privacy and uses high-techencryption technology to protect your personal information. For more information on this, please review our Privacy Policy. We will share you application information with one or more lenders in order to find you a lender willing to give you a loan.

Repayment is automatic

On the due date, your loan amount and loan fees will be automatically withdrawn from your checking account by some of the lenders. There’s nothing you need to do. This may change from one lender to another. We advice you to check the loan terms provided by the lender before taking the loan.

Delayed payments

Different lenders follow different policies on delayed payments. Please review and understand the late payment policy specified in your lender’s loan documents before appending your e-signature.

Appending your e-signature constitutes a legal obligation to repay the payday loan. How much lenders can charge delinquent borrowers in penalties depends on state laws on late-payment of fees.

Payday loan extensions

Your lender may extend your payday loan or offer a roll over depending on state laws. In some states, multiple rollovers are permitted, while in other states the practice is forbidden.

Any delay in making your payment may result in additional fees and your lender may request immediate payment on the balance amount. If you default on the payday loan, you also may have to pay additional fees, which are described in the loan agreement or permitted by the law.

It’s to think carefully about how much time you need to pay back your payday loan. Although payday loans are very convenient, any delay or default can cause a lot of problems.

Credit check

Note the some of the lenders may preform a credit check or verify your social security information before approving you for a loan.

Defaulting on a payday loan

Lenders from the ADVANCE AMERICA ONLINE network will pursue collections of past-due accounts to the fullest extent permissible by the law. If you do not pay back your payday loan, you may have to pay extra fees.

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