What if I have poor credit?
We often loan to people who have had past credit problems. The best way to find out if you are eligible for a pay day loan from us is to fill out a new member application for quick cash. After receiving membership approval there is no obligation to receive a pay day loan advance. If you have questions about your eligibility for a loan, or wish to learn more about how a payday loan works, you can always Contact Us.

How long does it take to be approved?
It usually takes less than 30 minutes for approval after we have received all of your information.

How soon can I receive a cash advance?
A loan approved on Monday through Thursday before 5:00 p.m. Eastern Standard Time will become available to you overnight (or the next banking day). A loan approved on Friday will be deposited in your account on the following Monday. A loan approved on a Saturday or Sunday will be deposited in your account on the following Tuesday. A deposit may be delayed or not immediately available for withdrawal by your bank so you should always verify the availability of the funds with them.

Is my loan confidential?
We do not disclose information about you or your loan except in accordance with our Privacy Policy.

Can I request another loan when I already have one loan outstanding?
You can only have one loan outstanding with USA Payday Loan. All prior loans must be paid in full before we will approve a new loan.

What is the cost of credit for a payday loan?
The cost of a USA Payday Loan is $30.00 per $100.00 borrowed. For example, the total cost of an 14 day loan for $100.00 would be $130.00 (APR of 782.14%). Please refer to our fee schedule for more information about payday loan fees and payment options.

Can I prepay my loan?
Yes, we allow you to make pre-payments on your current loan. By making a pre-payment, you will lower the interest amount and total amount due on your loan. A pre-payment will pull from your bank account on the following business day in the amount you requested . If you would like to schedule a pre-payment to pull from your account please contact one of our customer service representatives who will be happy to assist you in making those arrangements.

What if I change my mind and no longer want the money?
In that case, you need to sign and return our cancellation form within 24 hours. If the money has already been sent to your account within the 24 hours, we will debit your checking account for the principle amount only.

How many times can I renew?
You can renew the full amount up to 4 times. This option will be done automatically for you on your next four paydays unless you inform us you wish to pay additional principle. Additional fees will apply if you choose this renew option. You must start paying down at least $50.00 on your loan principle every time you renew after your fourth renewal until your loan is paid off.