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How It Works


Frequently Asked Questions

  1. 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.

  2. 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.

  3. How long does it take to get my money?

    If you have selected to receive your money through electronic direct deposit, in most cases the money will be deposited into your account within one business day.  However, if you have applied after 6pm Central, over the weekend or on a holiday, the process will begin on the next business day and your money will usually be deposited on the business day after that.  If you have selected to receive your money by picking up cash at one of our stores, in most cases you should be able to get the money same-day.

  4. What are the minimum requirements?

    To apply for a loan, all you need is a valid email address, verifiable source of income, an active checking account in your name, 2 references, valid driver’s license or state ID and a working phone.

  5. Will you check my credit score?

     Your credit score will not be used by LendNation. However, we may access certain credit history information during the evaluation process. 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.

  6. 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 may be limited on their maximum loan amount.

  7. 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.

  8. When will my loan payment be due?

    Your loan payment is typically due on your next pay date.

  9. What are my options when my loan is due?

    Your repayment method will automatically be processed on your bank account as noted with your authorization in your loan agreement. This is typically an ACH or Debit Card depending on what option you chose and/or what is available to you in your state. The repayment amount is the amount you borrowed plus interest and applicable fees and will pay off the loan minus any payment(s) you may have paid prior to the due date. Some states allow an option to extend/refinance the term of the loan. If your state allows this option, you can access your account on our website to extend/refinance your loan.  

  10. 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.

  11. 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.

Customer Notice: A single short-term loan is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Short-term loans are not recommended as long-term financial solutions. Please see our Disclosure Page to learn more about Annual Percentage Rates (APR), our contact information and the effects on non-payment - including collection and renewal practices.