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  • The Loan Process FAQ
    designed with very short repayment times so it is very important that you are able to fully repay your loan within the two week period Since these loans require no collateral and the funds are quickly available higher interest rates are normally associated with these types of loans PaydayAdvance org is not a lender This website does not play any role in the loan approval process Every lender sets their own terms and conditions for loans and each lender makes the approval decision independently What hours is your referral service available PaydayAdvance org accepts applications 24 hours a day 365 days a year Lenders generally review applications and make loan decisions during normal banking hours Approval times can be slower at night and during the weekend The opportune time to submit an application is during regular banking hours on a weekday Federally mandated bank holidays can also affect the timing of cash loan transfers Generally any day that your banking institution is closed will add at least one day to the transfer time How much money can I receive with a payday advance loan A typical payday loan ranges from 100 to 1000 Not all lenders are able to provide the maximum amount of cash funds and there is no guarantee when you submit an application of how much you will be approved for Every lender has their own requirements for applicants but the amount of loan you are approved for generally depends on your income and your current financial situation How quickly can I receive my money As a rule your funds will be transferred to your bank account within one business day from the time you are approved Again transfer times also depend on the time of day you are approved if it is a weekend and also the rules of your banking institution Bank holidays can delay cash transfers also What if my application is not matched with a lender This website is not a lender and does not extend credit of any type Our referral service is free of charge for consumers who are in the market for online payday loans PaydayAdvance org makes every effort to match all applicants with an appropriate lender but we cannot guarantee that you will be matched successfully Here are a few things to try to better improve your chances Time of Day Most payday loan lenders do not process loan applications outside of normal business hours The ideal time to apply is Monday through Friday between 8am and 5pm Direct Deposit The majority of payday loan lenders prefer customers whose paychecks are directly deposited into their bank accounts If you do not have direct deposit you might ask your employer to enroll you in this service and then reapply for your loan Outstanding Payday Loans Many states will not allow an individual to have more than one outstanding payday loan at a time Some lenders also will not approve applicants for a payday loan if they have other outstanding

    Original URL path: http://www.paydayadvance.org/Loan-Process-FAQ (2016-02-17)
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  • Loan Payments and Extensions FAQ
    should thoroughly review the terms and conditions of your loan document before signing any contract If you have any questions or are not satisfied with the terms of your loan agreement you may simply decline the loan What happens if I can t repay my payday advance loan when it is due You should contact your lender immediately as soon as you know you will be unable to repay the loan by the due date Bear in mind that not all lenders offer renewals or extensions on the loans they provide and many states do not allow extensions of any kind Will a negative payday loan history affect my credit score If you fail to repay your payday advance loan according to the terms of your loan your lender can start collection proceedings against to recover the money you owe You can end up having to pay the original loan amount plus interest penalties and collection costs If you have concerns that you will not be able to repay your payday advance loan when it is due we strongly urge you to consider other sources of cash funds Defaulting on any type of loan has serious consequences How is my personal information used PaydayAdvance org respects your privacy This website is not a lender Accessing our website and using our free referral service requires that consumers complete one or more online application forms that request personal information Your use of our service is strictly voluntary and is governed by our Terms of Use and Privacy Policy Any personal information you enter is private and only shared with participating lenders Your personal information is encrypted and secured using 128 bit Secure Socket Layer SSL Once you are matched with a lender you will be redirected to that lender s website PaydayAdvance

    Original URL path: http://www.paydayadvance.org/Loan-Payments-and-Extensions-FAQ (2016-02-17)
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  • Personal Finance Tips
    you will be Latest Articles Bad Habits That Can Lead to Financial Disaster If you are like many American consumers you may be overwhelmed with credit card debt The first step in getting out of a financial hole is admitting that you are in one The next thing you need to More Making Good Financial Decisions It is almost certain that most Americans are feeling the effects of the current economy While conditions have improved somewhat over the past five years there is still high unemployment along wit More When to Consider Bankruptcy Over the past five years millions of Americans have made the decision to file for bankruptcy Much of this is due to the harsh economic conditions that have been in place since the financial meltd More Understanding Subprime Lending One of the keys to long term financial security is being knowledgeable about the credit and lending market Having a strong grip on your personal finances includes understanding the different types More Beware of costly debt traps Borrowing almost always carries a certain risk But it s important to understand that not all debt is created equal Any time you make a credit decision you should give it thoug More Credit Card Mistakes You Should Avoid Credit card debt is a huge problem in this country For every American household that has at least two credit cards the outstanding debt on these cards is around 15 500 It doesn t take a financi More How To Be A Savvy Borrower Borrowing money is a serious matter Any time you take on new credit or debt you are legally liable to repay the loan according to the terms of your contract Whether you are buying a ho More Simple Ways to Reduce Your Monthly Expenses Over the past few

    Original URL path: http://www.paydayadvance.org/Personal-Finance (2016-02-17)
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  • Consumer Topics
    financial transactions are covered by consumer protection laws Predatory Lenders Fight back and protect yourself Get Help contact us How It Works The Loan Process Rates Fees Terms Conditions Privacy Policy FAQ Application Help Loan Process Payments Extensions Personal Finance Saving Money Learning to Budget Debt Help Retirement Planning Credit Tips Consumer Topics Debt Collection Federal Statutes Predatory Lenders How It Works FAQ Rates Fees Terms Privacy Contact Personal Finance

    Original URL path: http://www.paydayadvance.org/Consumers (2016-02-17)
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  • Debt Collection & Agencies
    the Department Of Consumer Affairs If debt collectors threaten or intimidate you or attempt to force you to pay the outstanding debts by using violence or obscene language you have the right to file complaints to the Department of Consumer Affairs The US debt collection law also allows you to report the incident to police and take legal actions against the collectors Right Regarding Phone Calls Though debt collection agencies have the right to phone debtors all such calls must be made between 8 am and 9 pm This does not mean they can contact you dozens of times a day as this amounts to harassment Under US law they may not phone you more than twice a week If they do it is a punishable criminal offense Privacy Protection You have the right to make sure your privacy is maintained and protected US debt collection law prohibits debtors from revealing your financial details to others or from publicizing your debt problems Even if they contact a third party to find you they must protect your privacy They may not contact your friends families or employers for any other reason than to locate you Legal Rights on Disputed Debts If you file a dispute the collector s must stop contacting you as long as the investigation is on and until the dispute is resolved Collection activities may resume if you still owe certain debts or some kind of settlement is reached US debt collection law grants you the right to request in writing that debt collectors stop contacting you by any means If this request is not honored you may file a police report Though they cannot contact you in such cases they may still mail you legal notices How do I file a complaint with the Community Financial Services

    Original URL path: http://www.paydayadvance.org/Debt-Collection-and-Agencies (2016-02-17)
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  • Federal Statutes Protecting Consumers
    Act Ensures the fairness accuracy and privacy of information gathered on individuals by consumer reporting agencies such as credit bureaus Fair Credit and Charge Card Disclosure Act Get Help contact us How It Works The Loan Process Rates Fees Terms Conditions Privacy Policy FAQ Application Help Loan Process Payments Extensions Personal Finance Saving Money Learning to Budget Debt Help Retirement Planning Credit Tips Consumer Topics Debt Collection Federal Statutes Predatory

    Original URL path: http://www.paydayadvance.org/Federal-Statutes (2016-02-17)
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  • Contact Us
    informed financial decisions When you have questions about our website service or if you have thoughts on how we can do better please contact us using the form below Should you have questions about your existing loan or application please contact our lender directly We have no information on your loan as we are not a lender Please do not hesitate to contact your lender regarding loan repayment loan modification or with any questions about the lending process Name required E Mail required Location Phone Comments Enter the words Enter what you hear Get a new challenge Get an audio challenge Get a visual challenge required Get Help contact us How It Works The Loan Process Rates Fees Terms Conditions Privacy Policy FAQ Application Help Loan Process Payments Extensions Personal Finance Saving Money Learning to Budget Debt Help Retirement Planning Credit Tips Consumer Topics Debt Collection Federal Statutes Predatory Lenders How It Works FAQ Rates Fees Terms Privacy Contact Personal Finance Consumer Topics Blog Site Map PaydayAdvance org All Rights Reserved PaydayAdvance org is not a lender does not broker loans or extend credit to consumers This website s sole purpose is to connect consumers who are looking for payday

    Original URL path: http://www.paydayadvance.org/Contact-Us (2016-02-17)
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  • Saving Money
    now so you can spend it later You re better off putting your money in a savings account than hiding it in the cookie jar or under your mattress Most financial institutions are federally insured against loss so you know your money is safe Look for the FDIC symbol at your bank or credit union Why is saving important It s important to get in the habit of saving When you save for something specific it can be very rewarding to pay for it in cash The idea of waiting and saving for something is sometimes lost in today s culture of instant credit and immediate gratification But the process of saving can be an enabling one It allows you to take control of your finances rather than having your debt control you Your financial picture is always improved by not having to take on any new credit Remember the important thing is to start Even if it s a small amount at first the savings will add up How to start saving Here are some smart tips to successful saving Set goals Determine how much money you will need to save to purchase whatever it is you want Make a realistic budget This allows you to see where your money is being spent Pay yourself first Set aside the money you are saving before you start spending it on other things Keep your receipts Keep a precise log of what you spend either in a notebook or on your computer Unless you keep track of your spending you will never be a successful saver or maintain a livable budget Put away your credit cards Use cash for purchases Avoid debt If you are already in debt use all means available to pay it off as quickly as possible Take

    Original URL path: http://www.paydayadvance.org/Saving-Money (2016-02-17)
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