Frequently Asked Questions

The following is a list of the most common questions we get about cash advances, the lending process, or our services in general. If you can't find your answer here and still need help, please contact us!

• What is a payday loan, cash advance, or paycheck loan?
• What about qualifying?
• Does the process take long?
• What if I have bad credit, NSF's, charge-offs or a bankruptcy?
• Do I need collateral to apply for aid?
• Is there an application fee?
• Is my information secure?
• How often should I use this service?
• How soon do I have to pay back the lender?

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What is a Cash Advance, Payday Loan, or Paycheck Loan?
Though the name varies from person to person, all of these terms mean the same thing. They all provide you with an unsecured, short-term lending option until your payday. Customers choose these financial instruments to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With Exclamation Payday Loan, you can sign up for payday advances online - we then take your information an match you to the lender who can best service your loan.

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What about Qualifying?
Qualifying for personalcashadvancecom payday loans is easier than qualifying for traditional credit. Our lenders may require that you meet the following:

• Currently have a job (or receive regular income)
• Make at least $1000 per month
• Are 18 years of age or older and a U.S. citizen
• Have an active bank account

Additional rules or requirements may apply. Please contact the lender who handles your financing for greater detail.

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Does the process take long?
Customers typically receive approval within hours of completing our online form. Since the money is wired directly into your checking or savings account, you can usually have access to your funds the very next business day if approved. Please contact your lender if you have additional questions about funds transfer.

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What if I have bad credit, NSF’s, charge-offs or a bankruptcy?
Not a problem! Many lenders work with clients who have less than perfect credit.

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What about collateral to receive aid?
No. Your job and your paycheck are your collateral.

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Is my application and financial information secure?
Absolutely. Our lenders respect our customers' privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

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How often should I use this service?
Whenever an immediate or urgent need arises, we are here to help. It is important to remember that a payday cash advance loan is a short-term answer to an immediate cash need. These are not intended for repeated use in supporting an on-going budget situation between each payday. Repeated use or reliance on these financial instruments can create serious financial difficulties. If you need help with credit, budgeting or debt management, please contact the National Foundation for Credit Counseling at 1-800-388-2227.

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How soon do I have to pay back the lender?
Payday cash advance loans are generally repaid back when you receive your next paycheck. The standard time for loan repayment is usually no less than seven days and no longer than eighteen days. Please ask you lender if you would like additional information about this or any other payment arrangement.

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*Some additional terms and conditions may apply. Please ask your loan consultant about all of the repayment options.