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The most common questions asked about payday loans
What is meant by “payday loan”?
If you are interested in a definition of a payday loan, it may sound as the short-term loan for unplanned situations requiring instant money. Payday loan or a cash advance as it may also be called should be chosen as an urgent help till your pay day as it should be repaid usually in two weeks or a month together with the interest rate, which is added to the amount you have borrowed from the lender.
What is required to get a payday loan from Philaloan.com?
The main requirements for all customers are the same:
• You must be a resident or a citizen of the USA
• You must be over 18 years old
How to apply for a payday advance?
It is very simple to apply for a payday loan online. Visit our website Philaloan.com and find an application form, which you should to fill in with the basic personal data. While the process of proving us with the required information, it will be collected and transmitted to your potential lenders. Be ready to give us the following details:
• Full Name,
• Telephone number,
• Valid checking account details,
• Social Security Number.
Is my personal information safe at Philaloan.com?
No need to worry about the confidentiality and safety of your personal data as our mediator company sends information only to your potential direct lender. We have the broad network of reliable lenders who need basic information for the identification of the borrower. We never share your data with third parties.
How long do I need to wait for my approval?
You will be surprised how fast the processing of your information is going to be. It will take about 15 minutes to process the data you have provided us with and to give you a positive answer.
When can you get your money?
You will receive money within one business day after being approved. It may take more time only in case you apply for a loan during some national holidays. The loan will be transferred directly into your banking account.
Is it possible to get payday loan with bad credit?
Yes! We don’t have any credit check as we are interested only in customer’s current ability to repay a loan. We don’t care about your past failure to pay some credit back. Bad credit borrowers should meet the same requirements as customers with the perfect credit score.
What must be your actions in case you can’t repay the loan on time?
First of all, if you experience some difficulties with the loan repayment, the most reasonable decision will be to inform your direct lender who may offer you to rearrange your repayment plan in case there are no extension or roll-over options available in your state. However, if the state you live in, permits to use the prolonged period of loan repayment, which supposes to pay additional fee, then you will be able to solve this problem by your own. Just log into your account and choose the roll-over.
Do I have the right to repay my loan earlier?
If you have a financial possibility to repay your loan before the agreed date, it is necessary to contact your lender and discuss this opportunity.