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Frequently Asked Questions

When you come on, you will probably meet some questions, such as how our service works; or you can come across the problems with understanding of information considering to short-term loans. In case you will not find answers among the frequently asked questions here, contact us directly by email or telephone number. We have well-prepared and high-qualificated team of experts, who are able to help you out with the detailed information and give you the instant responses. They will find the most suitable and safe loan option for everyone with meeting all the applied requirements.

What is a Short-Term Loan?

The short-term loan is small funds up to $1,000 that are given for short terms from 1 to 4 weeks, the duration depends on several factors and varies from a lender to another lender. This form of credit has the highest acceptance rate among all other credit products, as lenders require to protect it with income of the applicant. Due to this, applicants with low-trusted credit status or with some spots in the credit history can successfully get access to the opportunity of getting a short term loan.

What do I need to be approved?

The approving procedure is simple and enough fast. Almost everyone can be available to receive he short-term loan. First you need to fill out the form with some basic personal information that will help creditors decide whether it is a secure option for them to credit you or not.

The list of the necessary qualifications:

  • Residence in the United States;
  • The age is over 18 years old;
  • Active valid contacts;
  • Legal employment and steady income;
  • Active private bank account.

There are some cases when creditors can request to present more personal details and ask to have a look of the documents, all these cases can be asked only individually. It can delay the procedure of receiving loan as it takes time to prepare and collect the necessary financial documents of applicants.

Is my personal data secure?

After placing the request on our website -, we need to transfer all the collected personal information to our lenders. We try to choose the most appropriate lender for you based on your data and request requirements. You personal information keeps safely and uses only with certain purposes in order to provide you with a short-term loan. Our software is developed with top-notch technologies that allows to encrypt all the data of our applicants that third parties can not to get access to it. Read the tab Privacy Policy carefully to ensure in protection and security of your personal information.

How much time does it take?

Our service works online, around the clock - 24/7 and it all decisions are taken fast. The first step for applicant is to fill out the form that takes a couple of minutes, the next step is the processing your request online that takes within 1 hour, the last step is to find perfect match with the lender can last also for some minutes not more. After that, the lender contacts you as soon as he gets your information. He starts to prepare the loan agreement. The last part of the deal is up to you. Now you need to make a decision whether you want to accept the lender’s offer or not. If you decide not to take the loan offer, you need to spend the same time to find a new more appropriate option. When you finally decide on the lender and are willing to accept all the terms of the loan agreement, you have to e-sign the document and give it back to the lender. The lender will send money to the applicant’s account as soon as he receives the signed agreement .The whole process lasts actually within one business day even if you reject the first offer.

Can an applicant with low-rated credit standing be approved?

Short-term loans are supposed to be the most given credit forms as even applicants with negative credit status or dubious reputation can be successfully approved. The lenders are used to check such applicants, who used to have some spots in the credit history. However, if you had some credit mistakes in the past, your terms of getting short-term loan will be downgraded by the lenders - the loan amount can be reduced, or the additional payments and fees can be increased.

Why should I contact a lender directly?

Our online service can only match you with the more appropriate creditor, but you have to contact him directly by yourself. We work in this way because our web platform is not responsible for the actions of the lender and the business. We can just help you to find each other. The lenders don’t provide us with the basis information about their loan terms and loan payments. That is why we cannot make any decision about giving or taking loans. In case, if you have any issue about your loan agreement or question about your loan terms, you need to contact your lender directly, not relying on our help.

When should I renew a loan?

When a borrower cannot repay a loan due to some certain and hard circumstances, he can ask the lender for renewing it. When the lender allows to renew loan, he imposes additional interest and extends the repayment period. In case you are on your way to the financial problems related to the repayment of your loan, it is better to contact your lender in advance to find out additional interest and other renewal terms.This option is supposed to be expensive and can impact on your financial status even more. But when you have time for negotiation with your loaner, you have opportunity to avoid extra penalties and fees. If you suppose that you can come across this need in the future, check the information whether your state laws allow renewals or not. There are some states in the United States that strictly forbid renewals of short-term loans. Look carefully through the information in the Rates and Fees tab to find out more.

If I can’t pay off on time or at all?

When delinquency comes, you need to read all the loan agreement again. There is a lot of detailed information about the cases and consequences of the defaulted payment. Go through your loan agreement, there are should be also plenty of information about applicable penalties, additional fees and debt collection practices and other actions regarding to defaulted payment or any kind of delinquency. It is necessary to see all the terms before you sign the loan agreement whether you accept them or not. Actually, all our lenders follow only responsible lending practices and meet also the official limits that were approved by federal and state laws. We promote among our applicants the idea to contact their lenders as soon as possible, in case when they face to the unstable financial situation.

How many credits can I take at the same time?

The loan agreement includes the information about the number of credit products that you can take at once. Also, there you can find details about the “cooling time” terms. If you are available to apply more than for one loan at a time depends on the state laws. If your state allows it, you obviously can do it, but you need to discuss the details directly with the lender before the signing contract. The same situation is with the “cooling time”. However, even when this is acceptable, the lender has the right to determine the number of credit products in the loan agreement within the limits set for each borrower individually.


Short-term loans are supposed to have special purposes, they are designed for people to take it and use it for a short time. This type of loan is an emergency credit product, as the loan debtor receives cash in not big amounts. It is highly important to understand the main meaning of short-term loans, which are not intended to be used for a long time to solve the problem of constant lack of funding. In case, if the loanee wants to prolong the short-term credit, this type of credit product can become a very expensive product. - this is web service that is launched to bring together lenders and loan debtors. This online platform allows users to find suitable and relevant lenders. It is important to understand that this service cannot make any decisions regarding to taking or giving loans. You don’t need to pay for the services of the website, it is absolutely free option. Also, you can come on this platform with no purpose to contact lenders or take credit product, you can only view and see what we offer without paying for it. All information concerning to short-term credit products is available for visitors and users free of charges. On the website many lenders are represented, but it does not mean that this service is responsible for the business of these lenders and transactions between lenders and loanees. This web platform does not approve each particular lender and the actions of third parties. is not aimed at the collection, storage, sale and transfer of personal information, especially when it concerns the repayments of loans and other credit products.

Most states prohibit such loans when they are provided for a short period of time. On the Internet, there are many offers of lenders who are willing to provide loans of up to $ 1,000. The website does not give promises and guarantees that it provides each new customer with a reliable creditor, and users may receive short-term loans from third parties. Lenders may decide to check through some credit agencies to determine the credit status and creditworthiness of borrowers. They may also request official personal data for verification, such as a social security number, driver's license number, national identity card number and other documents. The terms of credit products and the amount of credit products vary from one lender to another. It also depends on many factors, including the applicant’s credit history, place of residence and credit status, etc. It should be noted that each lender sets his own limits, restrictions and certain conditions on his own and for each applicant individually.

APR Representative

The loan rate is called Annual Percentage Rate that is calculated once a year. The platform cannot provide information on the rates and terms of lending offered by lenders. We cannot provide you with an APR for loan products, since we are not lenders; they do not disclose these details of their business to us. The annual rate varies from one lender to another lender and depends on several factors, such as place of residence and consumer credit status. There are some additional fees that lenders may charge additionally, including fees for initiation, late payment, fines. They can also apply for fees for non-payment and charges for non-financial actions, including an overdue payment, tax and debt collection report. Lenders do not transmit information about any financial or non-financial actions to, so there is no information on this website about the claims and requirements of creditors to applicants. The loan agreement must disclose all details of payment and non-payment fees and commissions in a transparent manner. APR is one of the non-financial charges for a short-term loan product, which should be calculated as a one-time annual payment.

Consequences of Late Payment
In case you doubt that you can pay on time, you need to contact the lender and discuss with him the possibility of late payment. The lender decides what charges and penalties he imposes on late payment. There are some federal regulations regarding to late payment that may vary depending on the case. Loan agreement includes the details about the procedure and the cost associated with the late payment. Look through the all document before signing it.
Non-payment Consequences
Financial and non-financial charges and fees can be taken when lenders receive missed payment or non-payment. The loan agreement includes all the penalties of late payment and non-payment.

Fees and other financial charges for late payment are to specified in the loan agreement. Resumption and other actions regarding to non-payment may be taken in case of consent. All information about the renewals is drawn up in the loan agreement and is determined on a case-by-case basis. There are also some additional penalties and fees that you will probably have to pay in case of resumption.

There are plenty of procedures and methods of debt collection that can be done. Fair Debt Collection Practices Act regulates and establishes the procedure of implementation of debt collection actions. Federal laws adjust limitations and rules to defend applicants and to prevent unfair lenders’ actions against the consumers. Most creditors prefer not to use the outsourcing services regarding to debt collection, they solve debt disputes by their own.

Any financial delinquency concerning to late payment or non-payment can be transferred to credit bureaus, such as Equifax, Transunion, Experian, and others. Negative consequences may arise as a result of breach of the loan agreement. The credit status of the loanee will also be downgraded after the delay in payment. Lenders are not used to trust their funds to applicants with a low-reliable rating.