You can request up to $5,000 for first time customers. Returning customers that have paid off a previous loan are often able to receive more, but that is dependent on your current income, job length, and other factors. Sometimes, things change, and not always for the better.
Often you’ll receive your money the same day, or next business day. Bank holiday hours can also effect this time. You’ll know before accepting the offer how soon the money will be transferred to your bank.
Credit isn’t important. While some of our partners may do a soft inquiry as part of their approval process, this rarely affects your approval. It’s more important to have stable, verifiable, employment.
Payday loan costs can very lender to lender and product to product. Most payday loan providers charge about 30% of the principle amount borrowed. This can be more or less based on several “risk” factors and the amount being loaned. Personal loans depend more on credit scores and often have much lower interest rates. You’ll know what, if any, fees there are upfront before accepting the loan. If you don’t like what you see, simply decline the offer. No obligation.
Important: Payday loans can be a very expensive type of loan. They’re meant to be very short and repaid quickly. It’s important that the principle and any fees are repaid on time. Not repaying the loan in full may result in additional fees, extending the term is a major contributing factor that can make payday loans potentially very expensive.
No, we don’t suggest applying online for a payday loan if they’re not available in your state. Before applying for online payday loans make sure to check your state’s laws and regulations.
Birmingham, AL Financial Statistics
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