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Thank you very much for your reviews. It's nice information for me and these payday loan companies in fact are best.
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Frequently Asked Questions

Q1: What exactly is a payday loan?
Q2: How much can I receive?
Q3: How are fees established?
Q4: What about qualifying?
Q5: Whatís the procedure to apply for payday loans online?
Q6: What do I have to fill in application form?
Q7: Is my application and financial information secure?
Q8: Is there an application fee?
Q9: Does the online form obligate me to taking out a loan?
Q10: What if I have bad credit?
Q11: I'm a tenant - is this a problem?
Q12: Do I need to fax my details?
Q13: Can I have more than one payday loan at the same time?
Q14: Do you contact current or former employers?
Q15: Do I need direct deposit?
Q16: When I will receive my payday loan?
Q17: How do I know that my loan has been approved?
Q18: When will my loan be due?
Q19: What if I want to pay early?
Q20: What if I canít repay my loan on the due data?
Q21: How often can I get a payday loan?



Q22: I've heard of payday loans described as numerous different terms. What are the differences?
Q23: How do Payday loans work?
Q24: When should Payday loans be used?
Q25: Why are Payday loans popular among some people?
Q26: What are the advantages of a Payday loans?
Q27: What are the disadvantages of Payday loans?
Q28: What does APR mean?

Q1: What exactly is a payday loan?
A1: A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Q2: How much can I receive?
A2: Your first NowGetLoan loan is based upon the information you provide in your membership application. You can borrow an amount up to $1500. After successful repayment of your payday loan, we may raise your loan amount on any future NowGetLoan loans.

Q3: How are fees established?
A3: Our fees are competitive and in compliance with all applicable state and federal laws. Depending on the lender the fee can range from $25 to $30 per $100 borrowed. So if you borrow $300 the fee will be between $75.00 to $90.00.

Q4: What about qualifying?
A4: Qualifying for a payday advance is easier than qualifying for traditional credit. NowGetLoan does not perform credit checks. You only need to meet the following requirements:
  • Currently have a job (or receive regular income)
  • Make at least $1000 per month
  • Are 18 years of age or older and a U.S. citizen
  • Have checking account or savings account with direct deposit.
Q5: Whatís the procedure to apply for payday loans online?
A5: The procedure is extremely simple, all you need to do is just fill up the application form at our website and submit it online. The approval takes place immediately after you submit the application on any of the business days.

Q6: What do I have to fill in application form?
A6: You have to provide your name and address, employment information, bank account details, and picture identification in the payday loan application form.

Q7: Is my application and financial information secure?
A7: We respect our customerís privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Q8: Is there an application fee?
A8: NowGetLoan never charges applicants a fee to qualify for a payday loan.

Q9: Does the online form obligate me to taking out a loan?
A9: No. When you fill out our online application, you are only stating that you wish to have our agents approve you and contact you to discuss your options. You may still ask us any questions, and withdraw your request at this time. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

Q10: What if I have bad credit?
A10: Bad credit will not prevent you from receiving a payday loan at NowGetLoan. Our friendly managers will work with you, even if you have already been turned down by other lenders.

Q11: I'm a tenant - is this a problem?
A11: No problem - it makes no difference to the lenders whether you are a tenant or a homeowner.

Q12: Do I need to fax my details?
A12: You don't need to have a fax machine to be able to apply for a loan. Lending company gets all necessary information instantly.

Q13: Can I have more than one payday loan at the same time?
A13: No. All other payday loans have to be repaid before another can be granted.

Q14: Do you contact current or former employers?
A14: No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Q15: Do I need direct deposit?
A15: At this time we can only process your loan if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as we do.

Q16: When I will receive my payday loan?
A16: Your application will be processed within 30 minutes, once it has been received. When approved, you will receive your loan on the next business day. Once you receive the loan, we will help you to schedule you repayment dates so that you wonít have to worry about bounced checks or missed deadlines.

Q17: How do I know that my loan has been approved?
A17: You will receive an email notification once your loan has been approved. NowGetLoan reserves the right to make adjustments to your loan approval until the time you receive the funds in your bank account based on new information regarding your loan application.

Q18: When will my loan be due?
A18: Your due date will normally be due on your next payday that is between 8 and 25 days away. Each state has different rules and regulations.

Q19: What if I want to pay early?
A19: Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.

Q20: What if I canít repay my loan on the due data?
A20: If you canít repay the full amount of your loan on the due date, you may be able to request a loan extension.

We have different payment options available for our customers:

  1. Paying the loan in full on the maturity date listed on your loan agreement.
  2. Paying the finance fee and a portion of the principle on or before the maturity date.
  3. Paying only the finance fee on the maturity date.
Q21: How often can I get a payday loan?
A21: We are here to help anytime you need extra cash between paychecks. We encourage all our clients to keep in mind that a payday loan is only a short-term solution to an urgent cash need, and to use these loans responsibly. Payday loans should not be used repeatedly to deal with continuing budgeting issues.



Q22: I've heard of payday loans described as numerous different terms. What are the differences?
A22: Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

Q23: How do Payday loans work?
A23: Lenders provide borrowers with a payday or cash advance loan in exchange for a post-dated check which is used to pay off the loan and interest expense at the end of the loan period. If the borrower is unable to pay off the loan at the end of its period, the lender will place additional fees on the loan.

Q24: When should Payday loans be used?
A24: While payday loans are an easy and convenient way to access money in times of need, borrowers should only use them for emergency situations and not for unnecessary expenses.

Q25: Why are Payday loans popular among some people?
A25: Payday cash advance loans are most suitable for people that do not have a credit card or savings account. Payday loans are also quite popular among people that have bad credit.

Q26: What are the advantages of a Payday loans?
A26: Payday loans are beneficial to people in need of fast and easy cash without a lengthy application process. Applicants for payday loans also have little requirements for approval compared to applicants for other types of loans. Applicants are not required to have good credit nor a credit card or savings account to be approved for a payday loan.

Q27: What are the disadvantages of Payday loans?
A27: Payday loans are high interest loans which makes this type of loan an expensive method of borrowing. Payday cash advance loans are also short-term loans requiring borrowers to pay off the loan at the time of their next paycheck. If borrowers are unable to pay off their payday loan at the end of the loanís term, borrowers will be faced serious consequences such as being reported to the Credit Bureau and charged additional late fees on the outstanding payday loan.

Q28: What does APR mean?
A28: Annual Percentage Rate (APR) is the percentage used to figure out the total cost of your cash advance loan because it takes into account all additional fees charged on your loan, including processing fees, underwriting fees, document-preparation fees, origination costs, and other costs associated with payday loans that you may be unaware of.



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