Basically a pay day loan is like post-dating a check. It's a small short term loan that isn't secured (meaning you don't have to sign over your house or car to get one). When done online you borrow a small amount (from $100 up to $1,500) that is deposited directly into your bank account. Then on your next payday the funds you owe are automatically withdrawn from that same account. This is commonly referred to as a payday loan, or a cash advance. It helps you get fast cash when you really need it. Since the money is deposited to and taken from your bank account (based on your payday), there is no credit check needed making this a perfect bad credit loan or loan for people who only need a small amount and need it quickly.

So instead of paying bank late charges or selling your merchandise, payday personal loans are an incredible way to cover yourself. USACashAdvance.com is here to help you find a payday loan lender. We present your completed application to our vast network of lenders in order to find a lender that is most likely to approve your loan. All you have to do is fill out our quick application online and we will match your specific needs to one of our many lenders, you can have cash in your account as quickly as today. back to top

The minimum requirements for a payday loan are:

• Be at least 18 years old.
• You need to be employed or getting regular benefits or income.
• You have to have an open and active bank account.

To be approved you need to meet the specific requirements of the lender with which you are paired. The lender evaluates your application and determines if you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past due pay day loans with other lenders and state of residence, may affect the approval of your loan.

Once you application is accepted by a lender they may contact you to ask for additional information. Payday lenders determine their own criteria to evaluate applicants and will approve your loan when your application matches those criteria.

To increase your chances of getting matched with a lender and getting approved for a loan, please be sure to fill out our application with honest information that you can be verified. For instance, using a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

Very simple: apply using our easy form. If we match you with a lender, you might need to electronically sign and agree to the terms & conditions of the loan. However, there is no obligation to accept the loan. If you don't like the terms of the loan, simply don't sign it, you can then apply again to find a different lender, and since we do not check your credit you have no worries of negatively affecting your credit rating by sending in multiple applications.

Usually the funds from your loan are electronically deposited into your bank account by the lender the next business day. You will usually have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account. Availability of funds may vary according to the rules of your financial institution.

In most cases the loan is due on your next pay date. Most lenders however, allow you to extend your loan by paying a fee or the interest.

Once we send you to a lender, you will be directed to your lenders loan documents. There you will find specific instructions for your options when your loan is due. Most lenders give you the following options:

• Do nothing and your loan will auto-finance, meaning you pay the interest only on the principal and the loan rolls over again till your next payday.
• Pay the full balance of the loan with interest.
• Renew the loan and pay interest and part of the principal. Please contact your lender directly if you have repayment questions.

The cash advance (or payday loan) is deposited into your bank account electronically in most cases the same or next business day. USACashAdvance.com works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!

Lenders usually process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders will deposit the funds in your account on the same day. If you apply on a weekend or holiday, the cash will be deposited to your account by your lender on the next business day.

We accept applications 24 hours a day, every day of the year. Our application process is however, real time, so there are more lenders available during normal business hours. There are some lenders who will accept your application when they are closed but will not process the application until they reopen on the next business day. In some cases a lender will.

However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. You also need to understand that a lender can only deposit money into your account on days when you bank is open. So Sunday's and holidays may affect the availability of your funds, this varies from bank to bank, check with your financial institution for more details. While you certainly can find a lender 24 hours 7 days a week, your options are always better during standard business hours (8am - 6pm Mon - Fri)

Banks are usually closed on the following federal holidays:

• New Years Day
• Martin Luther King, Jr. Day
• Presidents Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

Also most Banks' do not conduct business on Sunday's and Saturday availability may vary.
If your cash advance is approved on a weekend or holiday, your funds are usually available the next business day. You can contact the lender directly to confirm when the money will be deposited and the your bank to verify that the funds have been credited to your account.

USACashAdvance.com will help you get up to $1,350, based on the information that you provide on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them.

USACashAdvance.com also has a network of affiliate lenders who can also lend up to $1500 depending on your loan application.

USACashAdvance.com works with a large network of lenders whose fees are often lower than the national average. Fees vary depending on what state you are in and the lenders individual polices. Remember applying for the loan does not mean that you have to accept the terms and conditions for that lender. If you are not satisfied with a lenders fees, simply don't accept the loan, return to USACashAdvance.com and apply again.

What happens if I am not approved? If you are not approved for a loan then you may re-apply and USACashAdvance.com will make another attempt to match you with a lender.

Although most USACashAdvance.com cannot guarantee that you will be rewarded the loan you desire. We can promise that we will do our best in trying to find a lender who can provide you a loan that suits your needs.

Below is some helpful advice if you decide to reapply for a loan:

• Best time to apply: Most lenders will not review applications if it's after business hours. The best time to apply for a loan is Monday through Friday between 8AM to 5 PM EST.
• Do you have Direct Deposit: A lot of loan lenders prefer applicants who have a direct deposit set up at work, so that their paycheck is directly deposited into their bank account.
• Outstanding loans: Most lenders will reject applicants who have a past due or outstanding payday loan from another lender. Try to pay it off and then reapply.

USACashAdvance.com has a handful of lenders that will grant you a loan even if you only have a savings account. Time save time you should have your routing number available for the lender to transfer the money into your account.

The main thing that matters to our lenders is a steady source of income. You will have to provide proof of your multiple sources of income. Also lenders will want to see sources of income dating 3 month back, so make to have that information ready.

Can I still apply if I do not have a drivers' license of state ID? Yes, all you have to do is provide a passport number or your social security number.

NO, We are not a lender, so we will not conduct a credit check. However the lender in which we match you with will most likely perform a credit check. If you have bad credit do not worry as many of our lenders provide loans even if you have bad credit. back to top

NO, the application process in online and will not request for you to fax documents. However in some cases if your lender cannot confirm information that you submitted online they might ask you to fax in documentation such as a paystub.

All you have to do is contact your lender and ask for an extension on your existing loan. Make sure to contact your lender in advance before the due date. If your lender approves a loan extension depends on a number of different factors such as your loan history, income, and credit.

You may apply for an additional loan or reapply for a loan after 72 hours. The best part about this is that applying multiple times is FREE. However you note that you have been approved for a loan in the application when applying for a second loan.

The most important thing is to contact your lender before the due date. After you do that your lender should get back to you with a new proposal or option to extend your loan. In most cases your lender will add some extra fees for extending the loan.