Frequently Asked Questions

FAQ is not a lender and does not make credit decisions. We operate as a loan connecting service – connecting prospective borrowers with independent third-party lenders in our network who may be able to provide them with a loan. may connect prospective borrowers with lenders who offer Payday, Installment and Personal loans.

To get started you fill out our simple form. This information is then shared with third-party lenders who may offer you a loan. Every lender has their own terms, rates, and fees. Before accepting a loan make sure that you read and review these terms and conditions, paying particular attention to the information on the APR, fees, renewal terms and consequences of non or late payment.

Using is totally free to consumers. We receive compensation from the lenders for potential customer referrals from our advertising.

The lender that you may be connected with will have its own fees, APRs and terms. This is decided upon by the lender and not by

The details of the fees and charges will be provided to you if a loan offer is made. Please note that you are under no obligation to accept these terms.

It is quick and simple to use and get connected with a lender.

  1. Get Started by filling in your requested loan details and your information.
  2. We will then attempt to connect you with a lending partner.
  3. You should receive an online decision in minutes.
  4. If approved, after reviewing the terms and conditions of your loan and agreeing to proceed, you will electronically sign your loan agreement.
  5. You will receive your funds – in most cases, the funds will be in your account as soon as the next working day.

Please note we are not a lender – we will attempt to connect you with a lender in our network.

A payday loan is a small (normally under $1,000), short-term, no collateral cash advance. The term of the loan is usually 30 days or less and is backed by your future income. This may be your next paycheck or another type of regular income.

Payday loans should be used responsibly, and are meant for emergencies– if you are using them regularly to pay bills, you should consider assistance such as credit counselling or a debt management aid. You can also contact a nonprofit agency that help consumer who have ongoing, excessive debt.

An installment loan is a no-collateral loan (typically up to $5,000) that enables you to pay your loan back over a longer period than a traditional Payday Loan. The loan will then be repaid in scheduled payments that are generally of a similar amount, except for the last payment which may vary slightly. Installment loans should be used responsibly.

A personal loan is a no-collateral loan for up to $35,000. The loan term is generally longer than an installment loan and can be used for larger purchases or to consolidate debt. Like an installment loan, this will then be repaid will then be repaid in scheduled payments that are generally of a similar amount, except for the last payment which may vary slightly. Like all loans, personal loans should be used responsibly.

The individual, third party lending partners that you may be connected with have their own different minimum requirements, but typical minimum requirements are:

  • Be at least 18 years of age
  • Have a checking on savings account with direct deposit
  • Have at least $1,000 in regular income per month
  • Must not be a regular or reserve of the Air Force, Army, Coast Guard, Marine Corps or Navy (or a dependent of) or service on acting duty under an order or call that does not specify a period of 30 days or less

In addition to the above for personal loans only, typically a fair credit rating is required.

It is important that you complete our form with accurate and truthful information as this will help improve your chances of being connected with a lender. However, we are unable to guarantee that your loan request will be accepted and approved. works with multiple third-party independent lenders, and the requirements that you need to meet for approval will depend on the individual lender. How It Works

To complete your loan request on, you will be asked to share some personal, employment, and banking information. This includes, but is not limited to, your name, address, telephone number(s), employment and regular income information, bank account information, social security number, and driver’s license number.

To verify the information that you provide, the third-party lenders may perform a credit check or alternative methods. If a lender accepts your loan request, they may contact you directly to request extra information. will not perform a credit check, but many of the independent third-party lenders will do so. This is to check and verify the accuracy of your provided information and to see how this compares to national database records. They may also verify other information you have provided, including your driver’s license number, your social security number, and banking information.

Your credit score may be lowered if multiple enquiries are made to main credit bureaus (Equifax, Experian, and TransUnion). So if you are looking for a loan, you may want to only submit one loan request at a time. uses multiple security systems to ensure that your personal and financial information is kept safe and secure. This website uses 128 bit Secure Socket Layer (SSL) encryption technology to transmit all personal and sensitive data between your device’s browser and our site. cannot guarantee that you will be approved by a lender.

The funds could be in your account as soon as the next business day. However, this depends on the lender and if additional information is required based on your circumstances.

Your lender will provide information about the date and time for repayment, and this will be specified in your loan agreement. is not a lender and each independent third-party lender will have their own terms and conditions, including repayment terms. For further information, please contact your lender.

If you agree to proceed with the loan from the independent third-party lender as part of the terms, you will give the lender permission to take funds from your bank account on the day the payment is due. Timely repayments on a loan may be reported to a Credit Reference Agency, and this can contribute positively to your credit record.

Each state has its own laws in regard to the automatic renewal of payday loans, alongside each lender having their own renewal policies. Therefore, as a loan renewal is likely to include additional fees and interest to your loan balance, it is important to ask your lender if your loan will automatically renew.

Not repaying a loan may result in:

  • Addition of late fees.
  • An offer to renew your loan resulting in further fees and/or interest.
  • Your account being sent to a collection agency.
  • The reporting of your lack of payment to a consumer credit agency, which may lower your credit score.

The implication of non-payment will depend on the lender’s terms and conditions, and you should be sure to review these prior to agreeing to the loan and its terms.

Each lender will have their own terms and conditions. Before agreeing to the loan offer, please ensure that you fully understand the consequences of not paying your loan repayments in full or on its due date.