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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.
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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Can a Debt Collection Agency Take Me to Court? ?>

Can a Debt Collection Agency Take Me to Court?

When Does a Debt Collector Come in a Payday Loan? A payday loan is an unsecured money lending activity between a borrower and a lender. Whenever a person is in urgent cash need, he applies for a cash advance, and a financing company finances him for a short-term without any collateral. Where does a payday debt collector come from, then? The debt collector comes into picture when the lender needs it to collect debts from the borrowers who do not…

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Common Lies Debt Collectors Will Tell You ?>

Common Lies Debt Collectors Will Tell You

6 Common Lies Debt Collectors Will Tell You Debt collectors are special debt collection agencies assigned by the financing companies- mostly direct payday lenders to collect payments from the delinquent borrowers who have defaulted their loans. People also call them bill collection agencies. Since it is their job to recover the debt, they try everything- including telling lies and threatening debtors- to make the borrower pay. If you have had any experience dealing with a debt collector, you would know…

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What Are the Three C’s of Credit? ?>

What Are the Three C’s of Credit?

The Three C’s of Your Credit Your credit status tells a lot about your borrowing and debt management history; how you dealt with your previous debts. Although it is subjected to change time to time, it gives a fair idea of your current situation. Since your credit score reflects that in a numeric form, direct lenders may run through it while you apply to take out a loan. Have you ever gotten curious how by looking at your credit status…

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Why Would You Need a Payday Loan? ?>

Why Would You Need a Payday Loan?

Why Are Payday Loans So Popular? Before we answer why you would need a payday loan, or how you can spend the borrowed money, let us tell you what these payday loans are and why they are so popular. Payday loans or payday advances are short-term loans that can be availed from store-based lenders as well as from online lenders. These are quick and easy ways of getting financed during cash crisis; often same day funding. This flexibility keeps them…

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Do payday loans build credit? ?>

Do payday loans build credit?

Do You Need a Good Credit for a Payday Loan? Payday loans are short-term financing without any collateral pledging. These are popular because they give access to cash really fast with online applications. On the other hand, a credit score is the numerical reflection (varies between 300 to 850) of a person’s borrowing practice or credit history. If someone does not pay off debts, obviously the credit report- prepared by credit bureaus such as TransUnion, Equifax and Experian and others-…

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What States Ban Payday Loans ?>

What States Ban Payday Loans

Are Payday Loans Legal in America? Payday loans are unsecured debts that often come with high-interest rates. However, they are quick and an easy way of accessing money up to $1,000, especially during cash shortage. People with low income use these cash advances for various purposes including paying outstanding bills, medical expenses, fixing a car or for emergency travels. As the name suggests, these loans need to be paid back by the next paycheck day.  Everything sounds fine so far….

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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****