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It is common to get confused but it takes common sense to understand all aspects of lending and borrowing better. Get complete guidance and regular updates with regards to payday loans.

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Month: June 2018

Can You Get a Payday Loan Without a Bank Account? ?>

Can You Get a Payday Loan Without a Bank Account?

How to Take Out a Payday Loan Without a Bank Account Payday loans are easy to avail, but only if you have a checking account. Since these debts are granted even to people with bad credit, and there is no collateral pledging, checking account and regular income of the borrower guarantee the repayment. A checking account is preferred because the lender can deduct the amount on your salary day automatically. If you do not have a checking account, taking out…

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Will an Unpaid Payday Loan Go On My Credit Report? ?>

Will an Unpaid Payday Loan Go On My Credit Report?

Do Payday Lenders Report to the Credit Bureaus? Payday loans, unlike any other loan, are not just easy and fast ways of availing cash, but also quite flexible when it comes to the borrower’s credit part. Payday lenders such as EZPaydayCash do not run through credit to fund you as up to as $1,000. Needless to say, when the credit score is not so important while approving the loan application, why would they report your borrowing activity to the credit…

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Can I Apply for More Than One Loan at a Time? ?>

Can I Apply for More Than One Loan at a Time?

More Than One Loan- Will It Be a Burden? People’s requirements are different. What they can afford also depends on their income level, savings and credit scores, especially when it comes to loans. Sometimes because of need and sometimes because of convenience people take out more than one loan at a time. The concept of the second mortgage is quite common when it comes to home loans. Similarly, while being on a mortgage one can also go for a business…

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What to Do If You Need a Loan but Keep Getting Declined ?>

What to Do If You Need a Loan but Keep Getting Declined

Factors Lenders Might Be Rejecting Your Loan Application For Nothing is more saddening than getting rejected for a loan, especially when you need one urgently to fix the cash crunch issue. However, the truth is that traditional personal loans are not easy to qualify. There are multiple reasons why one gets rejected. 1. Bad credit score: Conventional lenders are very strict about credit scores, and they run through your credit reports to ensure the trustability before financing. A bad credit…

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Do Online Payday Loans Report to Credit Bureaus? ?>

Do Online Payday Loans Report to Credit Bureaus?

What Does Your Credit Report Say About You? A credit report is a detailed document of a person’s borrowing history. There are three primary credit bureaus who prepare these -Equifax, Experian, and TransUnion- when lenders and/or debt collectors report their lending activity to a borrower. They also report late payments, defaults, and complete repayments. There are also secondary credit rating agencies who prepare such reports. However, not every type of loan gets reported, neither every lender reports. Based on the…

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Where Can I Get a Payday Loan If I Already Have One ?>

Where Can I Get a Payday Loan If I Already Have One

Is It Possible to Have Multiple Payday Loans Around the Same Time? Payday loans are most preferred short-term debts by the low and medium income groups in America. Since these cash advances give access to cash between $50 and $1,000, even with an APR of 400% it is easy to payback on salary day. However, sometimes you might need more cash, and may want to avail of a second loan when the first one is outstanding. In that case, it…

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Payday Loan with No Checking Account ?>

Payday Loan with No Checking Account

How Does a Checking Account Work? Checking accounts or transactional accounts are primarily used for quick money transactions, and not for savings. For frequent bill payments or short-term small deposits, these are widely used. Whenever someone pays a bill, s/he writes a check with a definite amount, and the receiver of the check goes to the bank and takes out the same amount of cash. Apart from this, Automated Clearing House (ACH) system also helps move money from one checking…

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How many payday loans can I get at one time? ?>

How many payday loans can I get at one time?

Multiple Payday Loans at a Time: Is It a Good Idea? Payday loans are short-term emergency cash loans primarily advised to borrow when there is no other option to tackle the need for money. These are easy to apply and avail- often on the same day. Both online lenders and store-based companies would fund you up to $1,000 through such debts. Once approved, you have to pay it back by the next payday with an average APR (interest + fees)…

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I Need a Loan But Getting Refused ?>

I Need a Loan But Getting Refused

How to Qualify for a Payday Loan? Payday loans are the most convenient and immediate ways of getting financed during cash crisis. These short-term debts can give you instant access up to $1,000 on the same day of application. Credit companies like EZPaydayCash do not even run through credit to approve borrowers’ applications. It clearly means that having a good credit is not required to qualify for such cash advances. Similarly, being unsecured loans these do not need you to…

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How Do I Get My Payday Lender to Stop Calling Me? ?>

How Do I Get My Payday Lender to Stop Calling Me?

Are You Getting Repeated Phone Calls from Your Payday Lender? Payday loans are short-term cash loans that need to be repaid by the next payday. There are lenders like EZPaydayCash who also have a rollover or extension option by which the borrower can postpone the due date. If the debtor does not ask for a rollover and does not make the payment on or before salary day, it would be considered as an intentional default of the debt. In that…

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Applying Does NOT Affect Your Credit Score

Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at

****Loans are NOT available to residents of Arizona, Colorado, Georgia, Kansas, Massachusetts, Minnesota, New York, New Hampshire, Oregon,
Pennsylvania, Tennessee, Vermont, Washington, West Virginia, Puerto Rico****