All Your Questions about Legitimate Online Payday Loans, Answered

1st Payday LoansYou’re a savvy consumer. We know that. And we know that in order to feel good about going ahead with a loan, you need all the information. There are no secrets here. We’ll lay it all out on the table and give you the facts about online payday loans. With all your questions answered, you can make the best decision about borrowing.

What Exactly Are Online Payday Loans?

We can promise that you have never seen anything like online payday loans before if you have only ever relied on your bank for a loan. There are several factors that make these loans different:

  • They are short-term, only a week or two.
  • These loans are smaller, but you can still borrow up to $2,500.
  • Qualifications for approval are minimal.
  • Apply online and get cash right in your bank account, no check or card to wait for.
  • Repayment is quick and automatic, no need to try to remember the due date.

Are These Payday Loans as Fast as People Say?

If you’ve heard someone you know praise the speed of these online loans, it’s because it’s true. Get cash from 1st Payday Loans in a fraction of the time it would take if you worked with more traditional lenders.

Once you’ve gotten approved for the loan, in almost no time at all you’ll have cash in your bank account. Your lender makes a transfer, so the entire process is super speedy. You need cash now, so we provide it. You won’t find service this fast with any other lenders.

Were so fast, Usain Bolt’s got nothing on us regarding speed of process.

Who Qualifies for Online Payday Loans?

Let’s get to one of the best parts of online payday loans: how to get approved. While other lenders will drill you on credit score or ask for collateral, our awesome lenders think differently. They like to approve people based on other factors, although in some cases there does need to be a credit check. Approval rates here are very high because the only strict requirements are that you:

  • Are at least 18 years old
  • Have a bank account
  • Earn about $1,000 a month or more,
    depending on how much you apply for.

When Can I Apply with a Legitimate Online Payday Loan Lender?

Imagine getting a loan on your time, between all the things you have to do each day. It’s possible, but only if you choose online payday loans. While banks and other loan offices only let you apply during normal business hours, our service is available 24 hours a day, seven days a week.

What does this mean for you? Apply at night, after work, while doing chores, on the weekend, or on a holiday. In other words, you can apply whenever you actually have the time. And, because it only takes a few minutes, you don’t need to set aside a big block of time in your already busy day.

Where Do I Apply for Online Payday Loans?

Apply for a Payday LoanYour there, our application is just above. You must have missed it and for that we apologize.

And here’s an added feature: apply with a computer or a mobile device. Online payday loans are available online, so you can use a home computer to apply. If you don’t have easy access to a computer, just use your phone. Our application is mobile ready, so it’s easy to apply with your smartphone. Whether you’re at home or out running errands, on a break from work, or anywhere else, applying is a piece of cake.

Is There a Fee or Penalty for Applying or Changing my Mind?

Let us reassure you that this is a totally risk-free service. We connect you to great lenders, and we do it for free. There is absolutely no charge to apply for a loan. If you come across a website that tries to make you pay first, walk away. It’s not legitimate.

We’ve been doing this for nearly ten years, so you know you can trust our service to be legitimate and trustworthy. There is no fee to apply and there is no penalty if you want to back out before signing the loan document. There should never be a charge for access to loans.

How Do I Make Repayment on Online Payday Loans?

Don’t overlook the fact that repayment can be easy too. The entire process is straightforward, and that applies to how you repay the loans. When you work with the lender we find for you, they make a transfer of cash directly to your bank account. This is what makes getting cash so prompt.

That access to your bank information also allows lenders to make repayment a breeze. Instead of trying to remember when it’s due, and risking being late, your lender will just take out what you owe on the right day. This is typically your next payday, so as long as you make sure your paycheck goes into that account, you’ll be all set.

How do I know is a legitimate online payday loan lender?

First, we’ve been doing this for over 10 years and are still in business. If our borrowers couldn’t trust us, we would have gone out of business long ago. Second, we show you on our site that we are legitimate. You’ll find contact information, a security policy, and encryption to protect your personal information online.