frequently asked questions

APPLY ONLINE NOW
1. Fill Out the Form
2. Get Approved
3. Receive Money
First Name
Last Name
Email

Frequently Asked Questions



What exactly is a payday loan?


A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.


Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.


NationalCashCredit.com is here to help you find a payday loan lender. We present your completed quick and easy application to our vast network of lenders in order to find a lender that is most likely to approve your loan. By searching for a payday loan through NationalCashCredit.com, you can be sure that your application has been reviewed by the leaders in the payday loan industry.


back to top


What are the requirements for a loan?


The minimum requirements for a payday loan are:

  • You must be at least 18 years of age
  • Have a job (or other regular source of income)
  • You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.


If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria


In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our quick and easy application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.


back to top


How do I get a payday loan?


Simply complete the quick and easy online application and submit it from our web site and we will attempt to connect you to a lender online within seconds.


If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.


Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.


back to top


How long do I have to pay back the loan?


Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan simply by paying a fee.


Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:


  • Do nothing and your loan will auto-finance
  • Pay off the loan in full
  • Renew the loan and pay interest and fees only
  • Renew the loan and pay interest and part of the principal

Please contact your lender directly if you have repayment questions.


back to top


How do I receive my cash?


The payday loan / cash advance is wired directly into your bank account by your lender. Payday Loan Tree works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!


back to top


How quickly can I get my money?


Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.


back to top


What hours is your service available?


We accept applications 24 hours a day, every day of the year. However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit money to your bank account on days when your bank is open.


You can submit your loan application to us at any time 24 hours a day 7 days a week. However, since we only match you with lenders who are available to help you in real time you may be more likely to find a lender during normal business hours (Mon-Fri 8 am – 5 pm EST) since not all lenders operate on weekends and holidays.


back to top


How do bank holidays affect my loan?


The following bank holidays are observed by Federal Banks and their branches:

  1. New Years Day
  2. Martin Luther King, Jr. Day
  3. Presidents Day
  4. Memorial Day
  5. Independence Day
  6. Labor Day
  7. Columbus Day
  8. Veterans Day
  9. Thanksgiving Day
  10. Christmas Day


For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.


If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.


back to top


How much money can I have advanced to me?


NationalCashCredit.com will help you get up to $1,500, based upon the information that you provide to us on our quick and easy loan application. Your lender may offer you a smaller loan until you establish a payment history with them.


back to top


What are the loan fees for the cash advance?


NationalCashCredit.com works with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees will vary depending on which lender you are matched with.


back to top


What if I do not get approved by the lender you matched me with?


NationalCashCredit.com works with a vast network of payday loan lenders; however, we cannot guarantee that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with a loan. However, payday lenders utilize proprietary criteria to evaluate applicants and may not approve all accepted applicants.


NationalCashCredit.com is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.


back to top


What if my application is not matched with a lender?


NationalCashCredit.com works with a vast network of payday loan lenders; however, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:


  • Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
  • Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

back to top


What if I only have a savings account?


We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.


back to top


What if I have a fixed income or benefits?


As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.


back to top


What if I do not have a driver’s license or state ID?


If you do not have a driver’s license or a state ID, please enter your passport number or social security number.


back to top


Does your company do credit checks?


NationalCashCredit.com is not a lender and we do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.


back to top


Do I need to fax any information?


No, our quick and easy application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.


back to top


What happens if I’m late with my payment or don’t pay at all?


Additional fees will more than likely occur in the event of a late or partial payment. Failure to pay will result in legal action, as well as reporting of the non-payment to a consumer reporting agency.

back to top


How much will the loan cost?


The cost of the loan and the APR depends on your application. The terms are disclosed in the application process when you are directed to the lender’s website. At this point you have NOT accepted the loan. If, when the terms are disclosed, they are not acceptable to you, do not sign the application.

back to top


What is your renewal policy?

Renewal policies are determined by the lender, not by us, so they will vary. But, be aware some lenders may not debit your account for the full amount of the loan, which may result in additional fees and a renewed loan. Make sure you read the renewal policy carefully and make your wishes clear to the lender.

back to top


I am ready to get a payday loan / cash advance! Where do I go to apply?


Great! You can go to our quick and easy online loan application and sign up today! Click Here to Apply Now!


back to top


I still have questions. How can I contact a representative?


Click Here to Ask a Question


If all your questions have been answered, then what are you waiting for? Apply Now and put us to work getting you quick cash with a No Fax payday loan or cash advance.



payday loans online


Copyright © 2017 National Cash Credit ™. All rights reserved. Another fine AtoZ Financials ™, LLC Network Lender
Low Cost Payday Advances | Low Cost Cash Advances | National Cash Advance, Low Cost Payday Loans and Cash Advances online from National Cash Credit. The best low cost, no credit check payday loan lenders available online. low cost payday loan, low cost payday loans, low cost cash advances, low cost, national cash advance, payday loans, online loans, national cash credit, cash credit, national cash advance, personal loan, western union cash advance, quick 500 cash loans, $500 no fax loans, financial security, online loan