Frequently asked questions

No. We are a free, privately owned matching service that connects you with lenders and lending partners. The lender sets the amount, rate and terms.

No. We are a private company, not affiliated with the CFPB, any credit bureau or any government agency.

From about $100 to $5,000. State law and the lender decide what you can actually borrow.

Usually: 18+, US resident, steady income, an active checking account in your name, and a working phone and email.

Many lenders in our network consider fair and bad credit. Approval is not guaranteed and rates are higher for lower scores.

Often as soon as the next business day after you accept an offer and e-sign.

No. Review the lender's disclosures and decline any offer that doesn't work for you.

Contact your lender before the due date. Many states require payday lenders to offer an extended payment plan; see your state page for rules on late fees and collections.

The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.

It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.