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FAQ : Payday Personal Loans

What are your minimum requirements to apply ?
You must be at least 18 years of age. You must have a checking account that has been open and in use for at least 90 days. You must have a minimum of $1000 in payday or fixed income deposits per month. Payday loans are primarily designed for your short-term cash advance needs. It is in your best interest to borrow only what you can expect to pay back. Please refer to the fees menu page for addition information.

How does Personal Loans work?
They provides short-term cash advances that are electronically deposited into your checking account. Everything from application to payment is done electronically via our web site. When your loan is due, the amount borrowed plus a service fee is debited from your checking account.

Why do I have to pay extra on the principal when I do an extension?
Payday loans are designed to be short term loans to meet an immediate need. Unfortunately, a dependence on extensions moves a customer into a long term situation which is not in their best financial interest. We are committed to dealing with consumers with honesty and integrity and do not wish to take advantage of anyone or to allow them to abuse a system to their own harm.

What if I cannot pay the amount owed by the due date?
If you choose not to pay your loan on the due date, you can extend the loan for an additional fee. You can extend your loan up to three times, paying only the finance charges and fees due at that time.

How can I get a loan from Payday Loans?
After filling out the online application or calling them to apply by phone, you will have to fax in your bank statement and a voided check. They examine your bank statement to determine your income, and they loan you funds based on the monthly amounts we see deposited into your account. If they approve your loan request, the funds will be deposited into your account overnight so that you can get your money the next banking day.
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