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Loan Advice

Many of our customers find a lender within minutes of using our form to search for fast cash online. The process is simple, safe, and secure, and over 250,000 people have submitted our form.

Our efficient loan questionnaire only asks you for the information we need to try to find you a lender. To get started, enter your first and last name, ZIP code, and email address to launch our loan request form.


Meet Our Payday Loan Request Form

Before we search through our network of reputable cash advance lenders to try to find you a provider, we need to know a little about you. That’s why we ask you to fill out our short, loan request form.

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The form has three main sections:

  • Personal information – This is where we find out your name, number, and a little more about who you are.
  • Employment information – Our lenders want to know if you have a reliable revenue stream. You don’t have to have a job to be approved for funding, but you should have a money source to repay the loan.
  • Bank information – If the lender approves you for a loan, the money may be deposited straight into your bank account. This is one reason the lender needs to be sure that you have a valid bank account.

After you finish the form, we’ll try to connect you with one of the trusted lenders in our network. You should find out within about a minute if a lender has accepted your request. Throughout the process, your information will stay safe, thanks to the 256-bit encryption we use on our site. This is the same level of security you get from many bank and government sites.


Our Fast Money Process

Our form is risk-free and requires no obligation to use. We do not ask you to make any loan commitments to use our free service. If we can connect you with a lender, they may provide you with a loan agreement. Until that time, you are free to abandon the loan request process without penalty.

We work with a large network of lenders. Many of them offer on-screen approval, which means you can get your answer without ever leaving your computer. It should be noted, though, that some of these lenders operate out of storefronts and may require you to stop by their location.

Some of the lenders in our network offer loan products for those with bad credit. While the interest rates can be higher for this type of financing, you should not feel deterred from requesting a loan just because you have made a few mistakes in the past.


What is a Cash Advance?

When you request a small-dollar loan, usually between $100 to $1,000, chances are you are asking for a cash advance loan. Also known as a payday advance, this type of quick cash loan funds in as little as one business day. People use it for everything from debt consolidation to paying off unforeseen expenses, like medical bills, car repairs, and home improvement projects.

Besides being for smaller loan amounts than most other types of loans, the most recognizable trait of a cash advance is its short payment schedule of about two weeks. The limited loan term is because you are expected to pay off the loan in full after your next payday.

You can visit our Rates & Fees page for more details on the APR associated with this type of funding.


What is an Installment Loan?

At, you can request an installment loan instead of a cash advance. This type of funding is usually for a larger amount, and it includes a longer loan term. Because of its longer payment schedule, the APR for the loan will likely be lower than what you might receive with a payday loan.

Some of the most popular reasons people apply for an installment loan include paying off old debts, addressing an emergency expense, and using the money to fund a startup business. For more information on why people request short-term loans, please skip down to the Where Can I Use the Loan Money? section of the article below.

In some states where it’s not possible to find payday advance loans, consumers may be able to use an installment loan instead. Although, in states like Arkansas, there is legislature keeping borrowers from using either type of funding. We’ll let you know if funding is available in your state while you are filling out our loan questionnaire.


What are the Requirements for a Loan Request?

If we can connect you with a loan provider, the lender will likely have special requirements you will need to meet before approval. But, before you even use our free loan connection service, you should check and make sure you meet our prerequisites, which are:

  • You need a regular income. Whether it's through a job, benefits, pension, Social Security, disability income, or another source, we ask that our customers earn at least $800 a month.
  • We do not accept loan requests from those who are less than 18 years old.
  • You should be a U.S. resident.
  • During the loan request process, we will ask for a little information about your bank account. We require our customers to have a bank account, and we ask that it’s in good standing.

If you meet the above requirements, you are free to use our loan request form. This does not guarantee that we will be able to find you a lender, though. While prior bankruptcy, charge-offs, and poor credit history will not automatically disqualify you from using our service or eventually receiving a loan offer from a lender, these types of things may make it more difficult to find funding.


How Quick Will I Get My Money?

We understand that you are likely in a hurry to get your loan. That’s why we try to offer the fastest payday loan request. We do this by streamlining the request process, giving you all the questions in one, easy-to-use online form.

Many of our customers go on to receive their loan money on the next business day.


Where Can I Use the Loan Money?

Your lender may ask what you plan to use the loan money on, and your answer might have some bearing on whether you get the loan or not. But, when you receive the loan money, it will likely be sent directly to your checking account. At that point, you will be able to spend the money for your desired purpose.

Here are some of the most popular reasons people request short-term loans:

  • Debt consolidation – Not having the money you need to pay off a previous debt can be a stressful situation. Fast debt consolidation lets you combine bills that are due into a new loan. Sometimes this new loan has better rates than some of the old debt.
  • Emergency expense – Many of us do not have enough savings to cover emergency expenses. When these bills are due in a hurry, short-term funding can be one viable solution.
  • Car repair – Waiting for your next payday to get your car repaired is not an option if you need your car to get to work.
  • Taxes – If you weren’t expecting to owe the government money on your yearly tax return, you might need a loan to help pay it.
  • Rent or Mortgage – One of the biggest monthly expenses is your rent or mortgage. There can be big penalties levied against those who cannot pay their rent or mortgage. To avoid fines and even eviction, some turn to short-term loans.
  • Other Expenses – Not all of the reasons people use short-term loans are bad. Sometimes we need extra money for something fun, like a vacation, a home improvement, or a wedding.

If you need quick cash now, beginning the process online might be your best bet to get the money there in a hurry.


Repaying Your Loan

As we mentioned earlier, we are not a lender. If you do eventually receive funding from a lender, you will be expected to pay it back. If you request a payday loan, many lenders will remove the money from your account on the due date automatically. You need to make sure the money is in your account before then.

Installment loans work a little differently, but both of these short-term loans require you to pay back the money that you borrowed. If you have any questions about repaying your loan, you should contact the lender directly.

Final Thoughts

Trying to find a quick cash loan online can be a stressful experience. There are many sites out there that make false statements about how long it takes to transfer your money. We try to rise above all of this by offering a connection service to reputable loan companies. We invite you to use our service free of charge and with no obligation or comittment. We hope we can help you find the money you are looking for.