FAQ
- What is a Payday Loan or Cash Advance and what is their difference from other credits?
- A payday advance means that you have a possibility to obtain an unsecured, short-term cash advance until your payday comes. Customers are to choose payday advances if they wish to solve a problem with small but unpleasant unexpected expenses and expenditures while avoiding costly bounced-check fees and forgetting about late payment penalties. With www.2apply4aloan.com you can apply for a payday loan online and have your advance electronically deposited to your checking or savings account.
- Is your company a direct payday loan lender?
- Yes, as a direct payday loans lender, we can provide the lowest rates, the fastest application process and the most convenient conditions to our customers.
- Are your loans absolutely faxless?
- Yes, our loans are 100% faxless, easy to apply for, and don't require any special income verification.
- What is teletrack and is your company absolutely no teletrack payday loan lender?
- Different systems are used to examine the applicant's credit past to make sure that a moneylender will avoid the problems with money returning. Teletrack considers to be the common one. But we are no teletrack payday loan lender. We understand the possibility of having some temporary financial problems. Thus, we don't consider they are a reason for refusing our customers' applications. The only thing you need to prove is having a regular job with income high enough to return your loan in time. We don't try to find out other facts about our clients.
- What can a Payday Loan be used for?
- The money can be used for any purpose — to pay bills, buy something, have a great weekend, it’s up to you (of course, within the pale of the law)! You won’t be asked and won't account for it!
- How much can I receive?
- Your first 2apply4aloan loan is based upon the information you decided to demonstrate 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 2apply4aloan loans, so you are interested in successful returning money.
- How are fees established?
- Our fees are attractive, 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.
- What about qualifying?
- Qualifying for a payday advance is easier than qualifying for traditional bank credit. 2apply4aloan 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.
- What's the procedure to apply for payday loans online?
- The procedure is extremely simple and absolutely convenient, all you need to do is just to 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.
- What do I have to fill in application form?
- You have to provide your name and address, employment information, bank account details, and picture identification in the payday loan application form. Please, be attentive and remember that providing with wrong information will prevent you from getting a loan.
- Is my application and financial information secure?
- We respect our customers 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 SSL encryption
- How long should I wait for money?
- As your application is approved, it'll take just few hours (but not more than 24 hours) to obtain the money. Pay attention to the fact you are to wait for approval longer if it is a holiday or week-end.
- What impact could a payday loan have on my credit history?
- It is not a secret that bad credit history prevents from getting loans and it is so difficult to improve it. In fact, getting a payday loan is the quickest and the easiest way to repair your bad history. The most of the lenders give the information to the credit bureaus and it'll help to raise your credit scores and your credit history would become clear in case of successful returning the payday loan.
- What about the collateral? Is it necessary?
- No, forget about it. With www.2apply4aloan.com the collateral is not required.
- What should I do if I have no possibility to return a credit in time?
- In this case you should contact us immediately. Your time will be elongated. Otherwise you will be charged with extra fees.
- Could I repay a loan earlier?
- Yes, it is quite possible. In this case you'll be dismissed from the part of the payments.
- How could I get my loan?
- There are two ways of getting money. You may receive cash, without leaving your home - it will be carried to you. Or in case of a faxless loan it'll be deposited into your savings or checking account.