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Frequently Asked Questions

What is a short-term loan?

This is a relatively small personal credit (up to $1,000) for 1-4 weeks (the terms vary depending on the regulations in different states). This credit option is associated with high acceptance rate, because the lenders secure it with borrower's income. For this reason, many applicants may be approved despite their imperfect credit reputation and get access to this option in a relatively short time.

What does one need to be approved?

Qualification for short-term loans is simple. Lenders need only basic information about applicants to decide if it is secure to provide credit or not.

  1. You must be a legal USA resident of 18 years old or more;
  2. You must provide valid contact details;
  3. You must be legally employed and have steady income;
  4. You must have an active bank account for direct deposit.

It is possible that lenders will enquire more information about applicants (for example, to send pay stubs to prove income) individually. In this case, the procedures can take more time and involve additional procedures and paperwork (faxing or scanning).

Are the procedures safe?

When you make your request on Philadelphia Payday Loan, we collect your information to process it and find the right loan provider for you. We encrypt your data and use industry-leading technologies to make all the procedures secure and protect your privacy at high level. Please, find out more about the way we use your information on the [Privacy Policy] page.

How much time does it take?

This financial product is considered relatively fast, because most processing can be performed completely online, and this online search and match service works 24/7. It takes just minutes to fill out the form and request a loan, less than an hour to process request and connect a customer with a lender. As soon as the lender is able to make final decision to approve the borrower's application, the lender provides loan agreement. All you need to do is to familiarize with the offer and make credit decision. If one opts for rejecting the loan offer, one can simply ignore further procedures and repeat loan request if necessary.If accepted, the loan agreement should be e-signed. Usually, it takes just one business day to have money sent to the borrower's account (in case direct deposit option is available). In most cases, borrowers can get their money in as soon as one business day.

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