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Most Frequently Asked Questions About Florida Payday Loans

You may have questions about the payday loan process in general and here we have tried to answer any question or concern that you may have.

We have listed some of the most commonly asked questions about a payday loan and their answers below:

FAQWhat Is a Payday Loan?

Payday loans are short term loans that help people to cope with sudden but temporary financial situations. They are also commonly known as cash advances, and are used as a way to bridge the financial gap until their next pay check.

What Can I Use the Loan to Pay?

When a lender issues a loan it is your money so you can use it for whatever you see fit. Lenders will not even ask you what you need the money for. However it is wise to only use it for temporary financial hiccups that would be easily solved when your next pay check arrives. This might included an unexpected bill, replacing a broken home appliance, emergency travel costs etc. Using it to purchase something you cannot afford or to pay off long term debt will only cause more problems in the future.

How Much Money Can I Borrow?

The actual dollar amount that you will be able to borrow will depend on a number of factors, but will usually fall between $100 and $1,000. It will be determined by the amount you request, your income level and other factors such as your credit history. Lenders will aim to offer you an amount as close to what you request, but if they deem you unable to pay this back you'll be offered a lower amount.

When Do I Pay Back My Loan?

Most loans are due and payable on or just after the next day that you receive a paycheck, usually not longer than 2 weeks. For instance, if you will receive a paycheck in 14 days then this is when your payment will be expected. The period can often be shortened depending on certain requirements and some lenders allow up to 30 days for repayment. You will learn more about your repayment options when you are matched with a lender and they make you an offer.

Are There Fees to Borrow Money?

All payday loans come with at least one finance charge, which is the cost of doing business. In most cases this is all you will be required to pay on top of the principal, unless you fail to make the repayment, at which case you may incur added interest or fees. The amount you are charged for taking out a payday loan is regulated by Florida state law, and is calculated based on the amount your borrow and other information provided in your application. Before signing the contract you will be presented with a copy of the terms, which will include all of the potential fees you could face.

What Are the Requirements?

Lenders have to abide by federal regulations so to be eligible for a payday loan, you must be at least 18 years of age and a legal US citizen. You will also need to earn at least $1,000 a month and have a bank account where the loan can be deposited and repayment taken.

How do I Apply?

To get started all you have to do is submit your personal information with our loan request form and we will transfer you to one of several lenders in our network, who are poised to make you an offer. You will then have to complete the application and provide any supporting documents they request, such as bank statements etc, to verify your details. While we cannot promise there will be no faxing, it's likely you already have access to downloadable versions of these that you can forward to the lender in a matter of minutes. Once you have supplied everything they require, you can be approved in as fast as 5 minutes. You won't get any closer to instant approval on the web!

Am I Obligated to Take the Loan Once Offered?

You are absolutely under no obligation to accept the lender's offer and are free to leave the process at any time before you have signed the agreement. Although some misleading website may promote 'no credit check' all lenders in our network will access some kind of credit history, so a search may be left on your report.

What if I Have Bad Credit?

Although the lenders in our network will perform a credit check, you may still be approved even if you have bad credit. This is because the overriding factor is your income status, not mistakes you made in the past. Customers with bad credit are regularly approve and actually improve their credit score by successfully making the repayment.

Is My Personal Information Safe?

We never share, rent or sell your information to other parties outside of the network of lenders. The data that you provide will be completely safe and we use SSL secure encryption to keep your information safe.

How Many Loans Can I Have at One Time?

Typically, you must have other cash advance loans paid off before you will be approved for another payday loan.

Is Direct Deposit Required?

Lenders require that your bank account be set up with direct deposit. This ensures that they can provide a fast and efficient service.

When Will I Receive My Loan?

Lenders will process your loan application within just a few minutes once you have submitted the required info, and once you accept the offer you can expect to see the money in your account within 24 hours during the working week.

What If My Payment Is Going to be Late?

If you are having problems paying back your loan on the due date, you should contact the lender right away. They may be able to grant an extension or renewal. Failing to make the repayment and ignoring correspondence will result in added fees, and could lead to collection proceedings.

How Often Can I Use Your Service? is here to help. While we do encourage all of our clients to try to find a long term solution to their financial needs, we offer this short term solution to help you when you need it. As long as your account is in good standing, we are happy to refer you to our lenders whenever you need a fast and easy payday loan.

To learn more visit WikiPedia page dedicated to payday loans -

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Disclaimer: is not a lender and therefore cannot determine whether or not you are ultimately approved for a short term loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. doesn't charge any service fee. Our purpose and goal is to match you with lenders from our network who can provide you with the cash you need in any emergency. We will never act as an agent or representative for any of our lenders. You are under no obligation to use's service to initiate contact, or request credit with any of the lenders. This service is not available in all states and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.