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Once you're approved, you can have the money transferred into your bank account as soon as the next business day.
You can check your balance and make on-line payments 24/7. We make lending easy.
What is a payday loan?
A payday loan, also known as a payday advance, deferred deposit loan or cash advance, is a small loan typically between $100 and $1000 that’s used to cover small, often unexpected expenses. These types of loans are short-term, typically between 8 and 38 days, though in some states it could be longer or shorter.
How do I apply?
Just fill out the online payday loan application. If you’re approved, you simply have to sign a few agreements and get your loan. Your contract will clearly state the terms of the agreement, including repayment date, the amount required to repay your loan in full and the Annual Percentage Rate (APR) that applies to your loan. Like with any other contract, you’ll want to read carefully to understand all the terms before signing.
How long does the process take?
In most cases, if you apply online and are approved, your money will be directly deposited into your account within one business day. However, if you applied after 7pm Central or over the weekend, the process will begin on the next business day, and your money will usually be deposited on the business day after that.
What are the minimum requirements?
To apply for a loan, all you need is a current U.S.-issued photo ID, a verifiable source of income, an active checking account and a working phone.
Will you check my credit score?
Your credit score will not be used by LendNation. Your personal information, which you submit and is confirmed as part of the application process, along with any additional information we may have access to, will be used to determine the maximum amount you can borrow. Things like your employment, income and banking information are all examples of personal information we use.
How much can I borrow?
We can typically lend between $100 and $1,000. The maximum loan you can receive varies by state and is based on your personal information, including your employment, income and banking information, which you submit as part of the application process. In addition, first time borrowers are limited to a maximum loan of $500.
What is the loan fee?
Each state regulates the fees and interest that can be charged for a payday loan in their state. For a description of the specific fees in your state, please enter your zip code to view state specific product details.
When will my loan payment be due?
Your loan payment is typically due on your next pay date.
What are my options when my loan is due?
An ACH electronic debit transaction will automatically be processed on your bank account as noted with your authorization in your loan agreements. This ACH transaction is the amount you borrowed plus interest and applicable fees and will pay off the loan. If you prefer, you can login to your LendNation account before your payment is due and make a debit card payment. Some states allow the option to renew the term of the loan until your next scheduled payday. If your state allows this option, you can access your account on our website and request to renew your loan.
What happens if I cannot pay my loan on the due date?
If you are unable to pay your loan on the due date, you should contact a customer service rep as soon as you can to get details on your options. You can reach us at 866-324-9565. Remember, you can prepay your loan at any time, without penalty, and can always reduce the principal amount on your loan at any time.
What if I want to pay back my loan early?
You’ll get no argument from us. You can pay back your loan early without penalty.
LendNation is more than the products and services we offer. It’s what we do, but not who we are. Yes, we provide loans generally within one business day; but more importantly we provide a customer experience that is second to none. It’s more than a quick application process and excellent customer service; it’s treating you how we’d want to be treated ourselves. It’s what you deserve and it’s what we’re all about.
Here are some of the key points of our promise to you – the LendNation Pledge.
Honesty – we’re not only honest, but up front too. That means no hidden fees, while also being completely up front with all the information you need to know. Plus we do it in a way that doesn’t require a magnifying glass.
Dependability –when the unexpected becomes reality, we’re here to provide a little hope and a lot of relief. You can depend on us to provide knowledge and understanding backed by over 30 years of experience. LendNation abides by all state and federal law and also cooperates with agencies such as the CFBP and CFSA to offer you the expertise that only an industry leader can provide.
Respect –we respect the fact that every person is different. At LendNation, we go out of our way to get to know our customers and understand their individual situation. We do so without judgment and with the confidentiality and privacy you’d expect from a trusted friend.
Friendly – we believe that friendliness isn’t just being polite, it’s about making people feel comfortable and welcome. It goes hand-in-hand with respect, dependability, and honesty. We take the customer-focused philosophy to the extreme.
Simply put; LendNation is made up of real people who go out of their way to listen, understand, and find a solution that is best for you and your life. It’s who we are and it’s our pledge to you.
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