Frequently Asked Questions
Simply put, payday loans are "short-term" loans based on your income that come with higher APR financing. The borrowed money is repaid by you according to installment terms that are agreed upon by you and the loan lender.
Payday Loan Requirements
Each state has specific loan requirements. To complete our online application, you must:
- Be at least 18 years of age and a resident of the USA
- Have a regular job or required income to meet the minimum required salary
- Have a valid government issued driver’s license or ID
- Have an active bank account that accepts electronic transfers
- Provide a working phone number and email address for verification
How To Apply For A Payday Loan
Our application process is handled entirely online through our marketplace, which connects you with loan lenders. It's a three-step process: 1) Fill out our secure form online from your computer or mobile device. 2) Get connected with a lender in minutes and, upon approval, sign for your short-term loan online. 3) Receive the funds you need as early as tomorrow via electronic transfer. It's that easy!
When Should You Consider A Payday Loan?
Life sometimes creates situations in which we need money that we don't have. Some of the most common examples are unexpected medical bills, car accidents, and high-cost auto repairs, Payday loans are designed to be used on a short-term basis for emergencies like these that fall outside of your usual budget. Expedited Payday Loans does not recommend using a short-term loan to pay off existing debt like credit cards or other loans.
Are you searching on your phone for "payday loans near me?" We've brought our loan services online for an easier, hassle-free process, so there's no need to visit a storefront. Just fill out our secure online application and know within minutes if you're approved for the money you need. It's that simple!
Do You Cover My State/Area?
We cover most of the United States, however, there are a few areas we do not offer payday loans in:
Here are the areas we do offer loans:
Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
And here are the areas we do not offer any type of loan option:
Arkansas, New York, Vermont, West Virginia, and Washington D.C.