Payday West

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Payday loans FAQ

What is a cash advance?

When you have short-term money problems, a cash advance is an excellent way to help you out. You pay this type of loan back on your next payday, which assists you in avoiding any late fees. Our cash advance loan application is online, and our application process is a breeze, ensuring that you receive the money you need quickly.

What is a cash advance loan for?

You can use the cash advance for anything you want. You can use the cash to help you with a financial emergency or to fund an opportunity, or anything else that you need quick money for!

How much money can I borrow?

The amount of your initial cash advance is based on your individual application. Generally, you can receive a cash advance of up to $1500, but if you take out a loan and repay it successfully, you may be able to take a bigger loan out next time.

How are the fees that I pay determined?

We asses fees in accordance with federal and state laws and base them around similar services. Generally, the added fees are somewhere between $25 and $30 for every $100 that you are loaned. The actual fees are assessed based on the specific lender that you are working with, as well as the particular amount borrowed.

How do I qualify to take out a cash advance loan?

Our application process has been designed to help you get cash fast. You do not need good credit to qualify for one of our loans. We only require that you have a source of income or a job that gives you at least $1000 per month. You must also prove that you are a citizen of the United States and that you are at least 18 years old. You need a bank account that has direct deposit included as well, because this is the quickest way for you to get your cash!

How do I apply for one of your loans?

The application process on our site is practically effortless and can be filled out completely online from our website. We will review your application immediately upon receipt and will work quickly to let you know whether you have been approved as soon as possible.

What do you need to know in order for me to get a cash advance?

All of the information that we need from you can be given to us on our secure website. You will need to simply give us your name and address, in addition to the details of your job and your direct deposit account information. Other than these basic details, we will only need some kind of picture identification and you are all set!

Is my information secure?

We understand the very real threats of identity theft and fraud, which is why we focus heavily on safety and security. We utilize the highest quality and most advanced encryption technology, so that your confidential information is always secure and protected.

Is there a fee to submit an application?

We are committed to helping our customers as best we can. Due to this policy, we do not charge a fee for filling out one of our simple applications.

Do I have to take out a loan if I submit an application?

You are in no way required to take out a loan even if you fill out an application. This form just makes our team aware that you are possibly interested in a loan and want to discuss your options. Please feel free to ask us any questions or fill us in on any concerns that you may have before you formally agree to the requirements of the loan you are offered.

Will I be able to get cash even if my credit is bad?

Our loans are not dependent on your credit. We understand that credit scores are not necessarily indicative of your ability to pay back your loan and we make no assumptions about your financial history. Regardless of your past financial circumstances, you are eligible for one of our loans!

Do I need to be a home owner to get a cash advance loan?

Eligibility for one of our cash advance loans is not dependent on whether you own your own home or not.

Will I need to fax any information?

All of the information that we need to process your application can be transmitted online. We wanted to make the process as simple as possible, so that you never have to deal with the annoyance of having to use a fax machine.

Can I get two advances at one time?

You may not get more than one loan at a time. Once you have repaid your first loan, you are welcome to apply for another.

Do you check references or speak with my employer?

Because we value your privacy, we do not contact anyone about your financial situation. We firmly believe in keeping your information private, so we would never do anything to compromise your secure information.

Do I need to have direct deposit?

You must have direct deposit to use our service. This is the fastest and most secure way for us to give you the money you need.

When will I be able to access my loan?

It usually takes about 30 minutes for us to get back to you with an answer. Then, we will go over the details of the loans available to you and you will be able to understand all of the conditions of the loan. After your approval and our discussion, you will find the cash in your account within one business day. We will also make sure to work with you to make certain that you will be able to meet your repayment deadline to avoid any future financial issues.

How will I know when my loan is approved?

You will receive an email from one of our lenders when your loan is approved. Your approval rating can change up until the moment that you receive money in your account. Changes can occur if we find out new details about your application.

When do I need to repay my loan?

Generally, the loan amount will be due in full on your following payday. This can be anywhere from a week to three weeks after you take out the loan. This also depends on state mandated due dates, so your location can affect when the loan is due as well.

Can I pay back my loan before the due date?

Contact us if you are able to repay your loan prior to the day it is due. We may be able to partially refund some of your fees!

What if I am unable to pay my loan back by the due date?

If you realize that you will not be able to repay the full amount of your loan by the date due, you have a few options. You may be able to receive an extension, or you can pay just the finance fee, or the fee and some of the principle amount by your due date. We highly recommend that you try to pay the entire amount off by the date that the loan is due.

Do you have a limit to the number of loans that I can take out?

We are always available to offer you financial assistance for emergencies that come up between paychecks. Please bear in mind, however, that these loans are meant for sudden expenses and not to handle everyday financial needs.

Categorised as: loans

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