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Understanding Payday Loans:

Want to know how exactly you can receive your payday loan? Read ahead to find out.

paydaync.com is not a direct payday lender. We are not the ones providing you with payday loans. We have one goal - to connect your loan request with a licensed lender who may offer you a loan. And we want to do it as fast as possible to help you cover your urgent financial needs.

You will avoid wasting your time driving from one lender to another begging for money. You will also not be required to fill out tons of paperwork or wait for days or even weeks to get your loan approved (like with many traditional loans from banks).

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Before you submit the loan request form, make sure that you meet the following criteria:

  • Be a U.S. citizen who is at least 18 years old
  • Be currently employed with minimum $1,000 monthly income (subject to verification)
  • Have a valid bank account for depositing money
  • Not be an active duty or a reserve member with any branch of the U.S. military

Meeting the above criteria is necessary for receiving any type of loan, including online payday loans, in the United States. For more information regarding eligibility for payday loans, please refer to our FAQ section.

In addition, you should list a valid home address and a telephone number for a prospective lender to get in touch with you.

How to Request a Loan

Requesting a loan though our website is easy. Simply fill out our online form and hit submit. Your loan request will be shared with the payday lenders we work with. They will then review the information you have provided and decide whether to offer you the loan. This process usually takes no more than 3 minutes.

Make sure that you fill out the loan request form completely and as accurately as possible. Provide the most recent and up-to-date information. Discrepancies could lead to longer processing time or outright rejection.

Some lenders may ask you to provide additional information. For example, a lender may ask you to fax a certain document. You should not delay in providing these additional documents.

If a lender decides to accept your loan request, they should provide you with a legally binding loan contract. This contract will state the terms and conditions of the loan, such as the interest you have to pay, your payment schedule, how to get an extension, and so on. Carefully read through this document. You must understand it thoroughly before signing the document. Pay particular attention to the extra service fees that may be charged from you.

Do not accept funds without signing a loan contract. The contract will protect you from predatory lenders and unfair service charges.

Another great advantage is that bad credit is not an automatic disqualifier for a payday loan. Your eligibility will depend on numerous factors including your income, current debt, credit history, and state of residency.

We cannot guarantee you a payday loan. It's ultimately up to the lender to decide to give you one.

Receiving the Funds

If a payday lender decides to give you the loan you have requested, they will direct deposit the funds to the bank account you have provided. It normally takes a single business day to deposit the funds following the request. Deposit can also take longer depending on your bank's requirements.

You will receive your funds quickly if you submit your loan request on a weekday during banking hours. Weekends and bank holidays will cause cash transfers to take longer.

Repayment

You will have to repay the loan as stated in the loan contract you signed. Payday loans are normally repaid with a single payment. The lender will automatically withdraw the due amount, plus interest and other charges, on a date you both have previously agreed upon.

If you are behind the repayment schedule, you may be charged additional late payments and fees. These can be quite hefty. Therefore, make your scheduled repayments on time.

Not repaying the loan on time will have serious consequences. If you don't pay back as stated in the contract, the lender can sue you. You could be subjected to collection calls. You will incur more debt, thus hurting your credit rating. You will have to pay legal fees in addition to the amount due if the case goes to court.

If you are somehow unable to repay as agreed before, contact your lender regarding an extension. You will find details about extending the due date in your loan contract.

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Note To Consumer: If you are currently struggling with debt you are advised to obtain expert financial guidance. Taking out a short-term loan will not solve your long term debt problems. Short-term loans are governed by local laws and regulations, which borrowers are encouraged to review before proceeding.

APR Disclosure: The Annual Percentage Rate (APR) is the interest rate charged by the lender, based on the amount loaned, cost and duration of the loan, number of repayments, and timing of repayments. This rate and other terms will be presented to you in a loan agreement prior to signing the contract, as per federal law. The maximum APR that lenders can charge for loans varies from state to state. On average the rate will fall between 200% and 1386% for cash advance loans, and 6.63% to 225% for installment loans. Some states have no regulations regarding APRs and therefore the lender can charge any rate they desire. A lender reserves the right to change their APR at any time, within state regulations.

Material Disclosure: The operator of this website does not provide loans themselves, nor do they act as a broker or agent for any other loan broker or lender. Rather they function as a referral service, advertising loan products from a network of qualified lenders. These lenders commonly offer cash advance loans of amounts between $100 and $1,000, and installment loans of up to $5,000. The amounts offered are subject to change and there is no guarantee that you will be referred to one of these lenders or approved for a loan. Our service and the lenders in our network do not offer or solicit for loans that are illegal under any state laws and regulations. Our service does not constitute a solicitation for any particular loan and we are not offering to lend to you ourselves. Our service is entirely free and we do not endorse any particular loan product or service. Lenders may compensate us for advertising their loan products only. This service and offer is void where prohibited. As an advertising and referral service, we are not responsible for the actions, terms and policies of the lenders in the network and have no control over their assessment of applications and loan terms offered. We do not have any access or control over your loan's interest rates, fees, repayments, non-payment repercussions, or other terms. Therefore you are advised to contact the individual lender if you have any queries regarding your loan. By using our loan request form you agree that your personal information will be shared with one or more lenders from our network. You are under no obligation to use our service, nor complete a loan application or accept a loan from any lender contacted through the service. The time it takes to receive your loan after signing an agreement may vary from lender to lender. The terms of repayment may be subject to local laws and regulations. You may be required to fax documentation as part of the lender application process. To learn more about our service and the loan products offered by lenders in the network, you are advised to read our FAQs. These pages do not constitute legal advice. By using our service you are subject to the site's Terms of Use and Privacy Policy.

Exclusions: Due to state laws and regulations residents of West Virginia, Arkansas, Vermont and New York are not permitted to use our service or website. Furthermore not all short-term and small-dollar loans are legally available in all states. We reserve the right to change the states serviced by this website without notice.

Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been referred to them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.