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How does a payday advance work?
Even if you have bad credit, you can still get quick cash for emergencies. Payday advances, also called "payday loans", "cash advances","instant cash loans", "payroll advances" or "paycheck loans" are short-term loans that can be taken against a future paycheck. Cash Advance Network loans require no faxing. Just fill out the online application for instant pre-approval. You can have your no fax cash advance deposited into your account overnight. If approved, your loan proceeds will be deposited directly into your personal bank account. When your loan payment is due, the finance charge will be automatically debited from your checking account unless other payment arrangements have been made.

When will I get my money?
As soon as PayCheckToday.com have ALL the information from you that PayCheckToday.com need, the approval process takes about one hour. If approved, your cash advance loan amount will be deposited into your personal checking account the next business day (if approved by 6PM Eastern time). If you are denied, you will receive an email. You can also call two business hours after applying to check the status of your application.

When will I know if I am approved or denied for a loan?
As soon as PayCheckToday.com have ALL the information from you that PayCheckToday.com need, the process takes minutes. If you are denied, you will receive an email from us.

How much is the finance charge?
The Annual Percentage Rate (APR) on a typical 14 day loan is 782.14%, which is $30.00 per every $100.00 borrowed. You can also renew your loan.

What are my payment options?
1) Pay the finance charge only: You will automatically be set up for this option. On your first due date, and the following 3 consecutive pay dates, PayCheckToday.com will debit the finance charge ONLY. On the fifth pay date and each pay date thereafter, PayCheckToday.com will debit a minimum payment of $50 towards your principal loan balance PLUS your finance charge until the loan is paid in full. Once your loan is paid off, you will have to wait three (3) business days to be eligible for another loan.

2) Pay the finance charge AND a payment towards your loan amount: PayCheckToday.com will debit the finance charge due plus a payment towards the loan amount on your loan due date. TO CHOOSE THIS OPTION, YOU MUST NOTIFY US AT 1-866-756-0600 OR BY FAX AT 1-800-671-0131 NO LATER THAN THREE FULL BUSINESS DAYS PRIOR TO YOUR LOAN DUE DATE to inform us of the amount you want to pay. The loan payments must be in increments of $50.00 (for example: $50.00, $100.00, $150.00, etc.). Remember you will still owe your new loan amount along with another finance charge on your following payday.

3) Pay your loan in full: PayCheckToday.com will debit the full remaining loan balance PLUS the finance charge on your due date. TO CHOOSE THIS OPTION, YOU MUST NOTIFY US AT 1-866-756-0600 OR BY FAX AT 1-800-671-0131 NO LATER THAN THREE FULL BUSINESS DAYS PRIOR TO YOUR LOAN DUE DATE. Once PayCheckToday.com receive all monies from your bank account, your loan will be considered paid in full. To receive your next loan, wait three business days after your account has been debited and login into your account at www.paychecktoday.com

Once PayCheckToday.com receive all monies from your bank account, your loan will be considered paid in full. To receive your next loan, wait three business days after your account has been debited and login into your account at www.paychecktoday.com.

When do I have to pay my loan back?
PayCheckToday.com will begin debiting finance charges from your account starting on your next payday, if your next payday is within 7 days of receiving your loan, PayCheckToday.com will begin debiting on the following payday.

 

Do I have to pay the loan back in full?
No. You have the option of renewing your loan. You do not have to do anything to select this option. You only need to notify us if you want to pay down or pay your loan in full.

What if I change my mind and no longer want the money?
In that case you need to sign and fax the Application Supplement 1-800-671-0131 within 24 hours of the approval of your loan. If the money has already been sent to your account, PayCheckToday.com will debit your checking account for the principle amount.

How many times can I renew my loan?
You can renew the full amount up to 4 times. On the 5th, in addition to the finance fee, you must start paying down your loan in $50.00 increments. Your new finance fee will be decreased. Every time there after you must pay your finance fee plus a minimum $50.00 pay down until your loan is paid in full.

Do I have to pay down?
You do not have to pay down right away, after renewing the full amount 4 times you must start paying down. You may also choose to start paying down at any time.

How do I make payment arrangements?
If you want to renew your loan and pay only the finance charge, you do not need to do anything. If you want to pay down or payout, you must contact us at least THREE (3) Full Business Days prior to the Loan due date to inform us of the amount you want to pay. To do so, click here to login to your account. Use your Social Security number as the User ID and your ten-digit home phone number as your Password.

I only get paid once a month, can I still get a loan?
Yes, your loan payment (in most cases) will be due on your next payday.

I receive social security payments as my income, can I still get a loan?
Yes, you must make at least $1500.00 monthly gross to qualify with most kinds of benefit income.

Can I get another loan after paying off my current one?
Yes. You can apply for another loan 3 business days after paying off your current loan in full. To apply for another loan, click here to login to your account by using your Social Security number as the User ID and your ten digit home phone number as your Password.

My residence, employment or other information has changed. what should I do?
Please print out a CHANGE FORM and fill in the new information. FAX it promptly to 1-800-671-0131. You can get the HTML CHANGE FORM here or the PDF CHANGE FORM.

How do I login to my account?
Login to your account on PayCheckToday.com Home Page by using your Social Security number as the User ID and your ten digit home phone number as your Password (no dashes or spaces). Here you can check the status of your loan, make payment arrangements, see your current balance and find out when your next payment will be deducted from your account.

Is this 100% faxless?
Yes, as long as PayCheckToday.com can verify all the information on your application. Thyere are instances where PayCheckToday.com may request a copy of a recent paystub, benefit award letter, bank statement, or voided check.

I'm self-employed, am I eligible for a loan?
NO. PayCheckToday.com DO NOT give loans to self-employed individuals.