Frequently Asked Questions

At we are always happy to answer any queries or questions that you may have. We have put together a list of the most commonly asked questions below. If you cant find the answer below get in touch using our contact form.

What are payday loans?

Payday loans are smaller-sized loans (often less than $5,000) that are available on a short-term basis with no collateral needed. Usually with a term of 30 days or less, these advances are backed up by future income such as a paycheck or other dividend.

What are installment loans?

Payday loans are smaller-sized loans (often less than $5,000) that are available on a short-term basis with no collateral needed. These advances are usually backed by future income, such as a paycheck or other dividend, and are paid back in a set number of payments over a specific period of time.

What are personal loans?

A personal loan is money borrowed from a lender that can be paid back over time in fixed payments. Typically, these are no-collateral loans that are backed by future incoming funds, such as a paycheck or other types of regular income. Personal loans are useful for paying off high interest credit cards or for debt consolidation. Personal loans are best when used responsibly.

What’s the difference between payday, installment, and personal loans?

Though payday, installment, and personal loans are all loans that are available quickly with no collateral, they have differences in their terms and limits. Payday loans have a limit of $1,000 and will often have a term of 30 days or less—a little more than one pay period.

Installment loans can go up to $5,000 and can be paid back under a specified timetable of payments. Personal loans can go up to $15,000. The payment terms of a personal loan can vary and should be discussed directly with your lender.

What kind of loan is right for me?

The usefulness of a loan will vary depending on your specific needs and circumstances. Those looking for an immediate short-term loan would be a better fit for a payday loan, while those looking to consolidate debt may use a larger personal loan that can be paid back over time. Payday loans should be considered specifically for short-term circumstances.

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Material disclosure

APR Disclosure.

Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure.

The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.


Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications.

The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.