FAQ

What is a cash advance or payday loan?

Cash advance (also called a payday loan) is a sum of money quickly issued to you by a lender at times when you need it most. Most often, people need cash advances between paychecks to cover unexpected needs such as urgent car repairs, overdraft charges, family emergencies, etc. The money that is lent to you will typically be repaid when you receive your next paycheck

Am I eligible?

Qualifying is easy and you don't need to worry about your credit. Even bankruptcy, bad credit, bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need!

How much money am I eligible to receive?

The amount you are eligible to receive with your cash advance depends on many things. Your income, among other factors, will be taken into consideration when your lender is deciding how much money to advance you. To find out how much you are able to borrow, fill out our quick application form, and you will promptly be matched with a lender online who will be able to instantaneously tell you a specific amount.

How much does a cash advance cost?

The fees charged for your cash advance will depend on a number of factors. The lender that chooses to finance you and your previous record of handling debt repayment are two such factors. The information given on your application form will provide our lenders with the information they need to determine your fees. The fees are much less than the cost that could occur by not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work!

How soon will the money be available?

Once you have applied online, your information will be sent in real time to a lender to qualify your loan request. Your cash can be in your bank account as early as an hour up to the next business day!

How does repayment work?

Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it! If you are unable to pay back on time, customers are automatically renewed every pay period. Just let your lender know when you are ready to pay in full, and they will deduct your loan plus fees from your bank account.

I have questions about my existing loan, where do I go?

For details, questions or concerns regarding your cash advance, please contact your lender directly. Lender information should be available in the approval e-mail you received when applying for the loan, your bank statement or by contacting your primary financial institution directly. The operator of this website is not a lender, does not broker loans to lenders, does not make cash advances or credit decisions, and is not an agent, representative, or broker of any lender.

Fees and Repayments

What kind of lenders can EasyFastPaydayLoans match me with?

EasyFastPaydayLoans works with many types of lenders and each offers different types of loan products. Most of these lenders offer short-term loans that are meant to last about 2 to 4 weeks, depending on which lender you are matched with. Those who are approved are often offered somewhere between $300 - $1000 depending on factors like your monthly income, how long you have had your job, etc. These loans are also sometimes referred to as payday loans, cash advance loans, payday advances, etc. In addition, to better serve the needs of our customers, EasyFastPaydayLoans has also partnered with lenders that offer other types of loan products, such as: installment loans, lines of credit, title loans, and auto equity loans.

How much do I have to pay back? What is the APR?

Since EasyFastPaydayLoans is not a lender, we are not able to provide or advertise the actual terms, rates, annual percentage rates (APRs), or fees associated with the loan you may receive. The reason for this is that the terms, rates, APRs and fees vary from lender to lender. If we are able to match you with a lender, you will be shown this information by that lender when we connect you with them. Please review this information carefully and make sure that you understand how much money you will receive and how much you are required to payback. Each lender should provide its loan terms clearly and in a way that is easy to understand. If you do not understand the terms of the loan or don’t agree with them (including the APR), do not continue or agree to the terms and do not provide your electronic signature. You are not obligated to accept the terms for any reason; however, you will not receive the loan if you do not agree.

What happens if I don't pay the loan back on time or don't pay it back at all?

If you accept the terms and conditions of the loan offered to you by the lender you are matched with, you are agreeing to pay that loan back. Partial payment, non-payment or late payment of your loan may result in additional fees, legal collection action, or your failure to pay being reported to a consumer reporting agency. Every lender has different terms and conditions for their loans. Most lenders are willing to work with you if you should need some help. If you have questions or need more information, please call your lender directly. Let them know that you were matched with them through EasyFastPaydayLoans, and they will be happy to help. If you have any issue contacting them, please let us know.

What is the renewal policy for these types of loans?

Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some options may result in a renewed loan and additional loan fees. Please make sure to review your lender's renewal policies, and make your payment preferences known to your lender. If you have questions or need more information on renewal policies, please call your lender directly. Let them know that you were matched with them through EasyFastPaydayLoans, and they will be happy to help. If you have any issue contacting them, please let us know.

Do lenders offer loans over $1,000?

Participating lenders in our network only provide short-term loans up to $1,000. If you're approved and practice responsible borrowing, we encourage you to apply again in the future. When you return to our site, we securely save all your information to make it easier to apply again.

Can I get an installment loan?

Our network includes lenders who specialize in installment loans, though you could have a better chance of being matched with a lender if you apply with our entire lending network on EasyFastPayDayLoans.com. If you're interested in getting matched with an installment loan lender, head to our installment loan site to get started.

Do social security, pension, disability, and other kinds of benefits qualify as income?

If you're collecting Social Security, pension, disability, or other kinds of benefits, you may be eligible. If you receive at least $800 a month as well as meet other lender requirements, you may be able to get a loan. Other conditions may apply and will vary from lender to lender.

Is this a payday loan? What is a payday loan?

Many of the participating lenders in our network offer payday loans. A payday loan is a short-term solution especially designed to get you emergency cash fast - and you are typically required to pay it back on your next payday.

Can I specify the length of the loan?

Typically a short-term loan is for a much shorter duration than 12 months. Each lender is different, so the terms and conditions they offer are also different. If you get a loan offer, it'll include all the details of your loan, including dates for repayment. You have a choice in whether or not you agree to the terms of the offer. If you don't agree with the terms of the loan offer, you do not have to accept the loan. And you're always more than welcome to come back and re-apply. If you're looking to get an installment loan, please click here to find out more and get started.

What happens if I'm late on a payment, don't pay the loan back, or default on the loan?

If you only pay part of the loan, have a late payment, or don't pay it back, you could end up paying additional fees and face collections. If you think that you may miss a payment, you should immediately contact the lender directly using the contact information they've provided. Please remember to use short term loans responsibly and accept the loan offer only if you're confident in your ability to repay based on the lender's terms. If you think you may miss a payment, please contact the lender with the contact information they sent you with your loan offer. Learn more about late or missed payments on our loan fees and repayment page.

I haven't received an email response about my loan? What do I do?

Sometimes email can land in your "Junk Email" or "Spam" folder – check there first to see if you've received an email from us. If you can't find it there, you can email us at customerservice@EasyFastPayDayLoans.com and we will try to respond as quickly as possible.

If EasyFastPayDayLoans isn't a lender, why should I use your service?

We help you find a lender for free! Instead of waiting in line or searching for lenders online, our service can help make getting the cash you need easier and faster. And it means you may have a better chance of getting matched with a lender who can meet your needs! Lenders in our dedicated network also agree to follow our Code of Lender Conduct for your safety, security and protection.

I am self-employed. Can I still get a loan?

You may still qualify if you're self-employed. If you make at least $800 a month, and meet other lender requirements, you may be able to get a loan. Other conditions may apply and will vary from lender to lender. When we ask for your Employer information in our form, please give us the legal name of your corporate entity and the main phone number of the business.

What do you do with my information? Do you keep my information?

We are committed to your privacy and the security of your personal information. Please read our privacy policy to understand exactly what we do with your information and how it is protected. We've also created a Code of Lender Conduct with participating lenders, in which they agree not to sell or share your information.

What if I don't have my employer's phone number or address?

We require you to provide your employer's name and business phone number. You're not required to provide the address on our site, though.

What are the terms and details of my loan?

Because we aren't a lender, that information isn't available to us. If you are matched with a lender, they will send you all the terms and conditions of your loan offer. It will include the interest rate, dates for repayment, finance charges, and more. Different lenders offer different kinds of loans with different details. Remember, you have a choice whether or not you want to accept the loan offer. If you don't agree to the terms, you can decline the loan offer and apply again.

How do I qualify? Is having bad or no credit OK?

Qualifying can be very easy, and participating lenders in our network work with many people in bad credit situations. Here are the basic qualifications: Currently have a job (or receive regular income) Make at least $800 per month Are 18 years of age or older and a U.S. resident Have a checking account Remember that other requirements may apply based on your individual lender. If you have bad credit, you might still be able to be matched with a lender.

How soon do I get my money?

Typically, if you're approved and you accept the loan offer, you may be able to get the money deposited directly in as little as 24 hours. It's very similar to depositing a check at the bank in that the funds need time to clear. If you're approved on a business day, weekend, or holiday, that may also make a difference in how long it will take for you to get your money.

Why do you need my banking information before I am approved?

Lenders need to make sure they can make a direct deposit into a valid bank account if you accept a loan offer. Applying at EasyFastPayDayLoans.com is totally free, which means you won't be charged with an application fee.

Why do you need my employer's phone number? Are you going to contact my employer?

Because we are not a lender, we won't contact your employer. Remember, our form is asking for the main number of your employer, so make sure you are providing the correct one. Every lender is different; however, to verify your employment, some lenders may call your employer at the number you provide.

Can I pick my payments? When is the first payment due?

The dates of repayment can vary from lender to lender and depending on your qualifications. In most cases, you won't be able to pick the dates of your payments. If you've been given a loan offer, you should contact the lender with any questions that deal with payment before accepting the terms of the loan. Learn more about payments on our loan fees and repayment page.

Can I get a loan if I have a savings account? What if I get paid with a prepaid debit card?

While qualifications can vary from lender to lender, most lenders will require that you have a valid checking account so they can deposit the funds directly. Unfortunately, lenders can't deposit directly into a pre-paid debit card.